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#000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES, EXPENSES AND ADJUSTMENTS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:78pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If You withdraw money from the Contract less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">13</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">years after You purchased the Contract, You may be assessed a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge of up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the amount withdrawn.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, if You purchase a B Class for $100,000 and surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Contract during the first year, You will pay a Withdrawal Charge </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:103pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charges?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> In addition to Withdrawal Charges, You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as transferring Account Value among </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions or between the Divisions and the Fixed Interest Account. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Although we do not currently charge a fee for transfers of Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value among Divisions or between the Divisions and the Fixed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account, we reserve the right to impose a transfer fee of $25 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on transfers in excess of 12 in a Contract Year. Loans will incur a $75 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be waived or reduced for certain Plans.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Transfer Fee</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td rowspan="5" style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">and Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the investment options and optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits You choose. Please refer to your Contract specifications </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on the options You have elected.</span></div></div></td> <td rowspan="5" style="padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract (varies by Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">class)</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54</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:6.5pt;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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.49</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:6.5pt;position:relative;top:-4.25pt;">(1)</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio fees and expenses</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</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:6.5pt;position:relative;top:-4.25pt;">(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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</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:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:34.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional charge (for a single </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefit, if elected)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:268pt;"> <td rowspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in the Separate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The Base Contract Fee includes 0.04% for the Annual </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Fee. The Annual Contract Fee is $30 annually. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Annual Contract Fee may be waived under certain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">circumstances. For classes B, C, and L this fee is waived if your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">total purchase payments for the prior 12 months are at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$2,000 on the day the fee is deducted or if your Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Balance is at least $25,000 on the day the fee is deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">for e and e Bonus classes if your Account Balance is at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$50,000 on the day the fee is deducted. The fee will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">deducted on a pro-rata basis (determined based upon the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">number of complete months that have elapsed since the prior </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Anniversary) if You take a total withdrawal of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance. This fee will not be deducted if You are on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">medical leave approved by your employer or called to active </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">armed service duty at the time the fee is to be deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">your employer has informed us of your status. During the pay-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">out phase we reserve the right to deduct this fee.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of average daily net assets of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">For the Enhanced Death Benefit: as a percentage of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance in the Separate Account. For the GMIB fee: as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">a percentage of your guaranteed minimum income base. For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">the LWG fee: as a percentage of your Total Guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="3" 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:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices You make affect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">how much You will pay. To help understand the cost of owning your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, the following table shows the lowest and highest cost You </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> based on current charges. This estimate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assumes that You do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add Withdrawal Charges that substantially increase costs</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:15pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lowest Annual Cost:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Highest Annual Cost:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees </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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">1,011</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">3,226</span></div></div></td></tr> <tr style="height:140pt;"> <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:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> classes and Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract classes, optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefits and Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES, EXPENSES AND ADJUSTMENTS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:78pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If You withdraw money from the Contract less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">13</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">years after You purchased the Contract, You may be assessed a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge of up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the amount withdrawn.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, if You purchase a B Class for $100,000 and surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Contract during the first year, You will pay a Withdrawal Charge </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:103pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charges?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> In addition to Withdrawal Charges, You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as transferring Account Value among </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions or between the Divisions and the Fixed Interest Account. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Although we do not currently charge a fee for transfers of Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value among Divisions or between the Divisions and the Fixed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account, we reserve the right to impose a transfer fee of $25 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on transfers in excess of 12 in a Contract Year. Loans will incur a $75 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be waived or reduced for certain Plans.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Transfer Fee</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td rowspan="5" style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">and Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the investment options and optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits You choose. Please refer to your Contract specifications </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on the options You have elected.</span></div></div></td> <td rowspan="5" style="padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract (varies by Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">class)</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54</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:6.5pt;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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.49</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:6.5pt;position:relative;top:-4.25pt;">(1)</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio fees and expenses</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</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:6.5pt;position:relative;top:-4.25pt;">(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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</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:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:34.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional charge (for a single </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefit, if elected)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:268pt;"> <td rowspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in the Separate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The Base Contract Fee includes 0.04% for the Annual </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Fee. The Annual Contract Fee is $30 annually. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Annual Contract Fee may be waived under certain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">circumstances. For classes B, C, and L this fee is waived if your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">total purchase payments for the prior 12 months are at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$2,000 on the day the fee is deducted or if your Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Balance is at least $25,000 on the day the fee is deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">for e and e Bonus classes if your Account Balance is at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$50,000 on the day the fee is deducted. The fee will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">deducted on a pro-rata basis (determined based upon the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">number of complete months that have elapsed since the prior </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Anniversary) if You take a total withdrawal of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance. This fee will not be deducted if You are on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">medical leave approved by your employer or called to active </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">armed service duty at the time the fee is to be deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">your employer has informed us of your status. During the pay-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">out phase we reserve the right to deduct this fee.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of average daily net assets of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">For the Enhanced Death Benefit: as a percentage of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance in the Separate Account. For the GMIB fee: as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">a percentage of your guaranteed minimum income base. For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">the LWG fee: as a percentage of your Total Guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="3" 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:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices You make affect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">how much You will pay. To help understand the cost of owning your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, the following table shows the lowest and highest cost You </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> based on current charges. This estimate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assumes that You do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add Withdrawal Charges that substantially increase costs</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:15pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lowest Annual Cost:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Highest Annual Cost:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees </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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">1,011</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">3,226</span></div></div></td></tr> <tr style="height:140pt;"> <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:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> classes and Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract classes, optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefits and Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:78pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If You withdraw money from the Contract less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">13</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">years after You purchased the Contract, You may be assessed a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge of up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the amount withdrawn.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, if You purchase a B Class for $100,000 and surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Contract during the first year, You will pay a Withdrawal Charge </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:78pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If You withdraw money from the Contract less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">13</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">years after You purchased the Contract, You may be assessed a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge of up to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the amount withdrawn.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, if You purchase a B Class for $100,000 and surrender </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Contract during the first year, You will pay a Withdrawal Charge </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of up to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">10,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> 13 13 0.10 0.10 10000 10000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:103pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charges?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> In addition to Withdrawal Charges, You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as transferring Account Value among </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions or between the Divisions and the Fixed Interest Account. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Although we do not currently charge a fee for transfers of Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value among Divisions or between the Divisions and the Fixed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account, we reserve the right to impose a transfer fee of $25 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on transfers in excess of 12 in a Contract Year. Loans will incur a $75 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be waived or reduced for certain Plans.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Transfer Fee</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:103pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charges?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> In addition to Withdrawal Charges, You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as transferring Account Value among </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions or between the Divisions and the Fixed Interest Account. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Although we do not currently charge a fee for transfers of Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value among Divisions or between the Divisions and the Fixed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account, we reserve the right to impose a transfer fee of $25 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">on transfers in excess of 12 in a Contract Year. Loans will incur a $75 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">loan initiation fee. The Loan Maintenance Fee is $50.00. Loan fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be waived or reduced for certain Plans.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Transfer Fee</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td rowspan="5" style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">and Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the investment options and optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits You choose. Please refer to your Contract specifications </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on the options You have elected.</span></div></div></td> <td rowspan="5" style="padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract (varies by Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">class)</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54</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:6.5pt;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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.49</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:6.5pt;position:relative;top:-4.25pt;">(1)</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio fees and expenses</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</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:6.5pt;position:relative;top:-4.25pt;">(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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</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:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:34.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional charge (for a single </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefit, if elected)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:268pt;"> <td rowspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in the Separate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The Base Contract Fee includes 0.04% for the Annual </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Fee. The Annual Contract Fee is $30 annually. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Annual Contract Fee may be waived under certain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">circumstances. For classes B, C, and L this fee is waived if your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">total purchase payments for the prior 12 months are at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$2,000 on the day the fee is deducted or if your Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Balance is at least $25,000 on the day the fee is deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">for e and e Bonus classes if your Account Balance is at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$50,000 on the day the fee is deducted. The fee will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">deducted on a pro-rata basis (determined based upon the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">number of complete months that have elapsed since the prior </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Anniversary) if You take a total withdrawal of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance. This fee will not be deducted if You are on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">medical leave approved by your employer or called to active </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">armed service duty at the time the fee is to be deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">your employer has informed us of your status. During the pay-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">out phase we reserve the right to deduct this fee.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of average daily net assets of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">For the Enhanced Death Benefit: as a percentage of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance in the Separate Account. For the GMIB fee: as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">a percentage of your guaranteed minimum income base. For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">the LWG fee: as a percentage of your Total Guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="3" 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:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices You make affect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">how much You will pay. To help understand the cost of owning your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, the following table shows the lowest and highest cost You </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> based on current charges. This estimate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assumes that You do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add Withdrawal Charges that substantially increase costs</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:15pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lowest Annual Cost:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Highest Annual Cost:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees </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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">1,011</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">3,226</span></div></div></td></tr> <tr style="height:140pt;"> <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:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> classes and Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract classes, optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefits and Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td rowspan="5" style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Are there Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">and Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the investment options and optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits You choose. Please refer to your Contract specifications </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on the options You have elected.</span></div></div></td> <td rowspan="5" style="padding-bottom:4pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract (varies by Contract </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">class)</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54</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:6.5pt;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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.49</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:6.5pt;position:relative;top:-4.25pt;">(1)</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio fees and expenses</span></div></div></td> <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:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</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:6.5pt;position:relative;top:-4.25pt;">(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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</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:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:34.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional benefits available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">additional charge (for a single </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefit, if elected)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95</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:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:268pt;"> <td rowspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in the Separate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The Base Contract Fee includes 0.04% for the Annual </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Fee. The Annual Contract Fee is $30 annually. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Annual Contract Fee may be waived under certain </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">circumstances. For classes B, C, and L this fee is waived if your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">total purchase payments for the prior 12 months are at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$2,000 on the day the fee is deducted or if your Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Balance is at least $25,000 on the day the fee is deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">for e and e Bonus classes if your Account Balance is at least </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$50,000 on the day the fee is deducted. The fee will be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">deducted on a pro-rata basis (determined based upon the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">number of complete months that have elapsed since the prior </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Anniversary) if You take a total withdrawal of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance. This fee will not be deducted if You are on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">medical leave approved by your employer or called to active </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">armed service duty at the time the fee is to be deducted and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">your employer has informed us of your status. During the pay-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">out phase we reserve the right to deduct this fee.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of average daily net assets of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">For the Enhanced Death Benefit: as a percentage of your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance in the Separate Account. For the GMIB fee: as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">a percentage of your guaranteed minimum income base. For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">the LWG fee: as a percentage of your Total Guaranteed </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="3" 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:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices You make affect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">how much You will pay. To help understand the cost of owning your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, the following table shows the lowest and highest cost You </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year,</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> based on current charges. This estimate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assumes that You do not take withdrawals from the Contract, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could add Withdrawal Charges that substantially increase costs</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:15pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lowest Annual Cost:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Highest Annual Cost:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees </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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">1,011</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">3,226</span></div></div></td></tr> <tr style="height:140pt;"> <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:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> classes and Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract classes, optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefits and Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td></tr></table> 0.0054 0.0054 0.0149 0.0149 0.0052 0.0052 0.0138 0.0138 0.0010 0.0010 0.0095 0.0095 <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in the Separate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The Base Contract Fee includes 0.04% for the Annual </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Fee. The Annual Contract Fee is $30 annually. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Annual Contract Fee may be waived under certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">circumstances. For classes B, C, and L this fee is waived if your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">total purchase payments for the prior 12 months are at least </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$2,000 on the day the fee is deducted or if your Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Balance is at least $25,000 on the day the fee is deducted and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">for e and e Bonus classes if your Account Balance is at least </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$50,000 on the day the fee is deducted. The fee will be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">deducted on a pro-rata basis (determined based upon the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">number of complete months that have elapsed since the prior </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Anniversary) if You take a total withdrawal of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance. This fee will not be deducted if You are on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">medical leave approved by your employer or called to active </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">armed service duty at the time the fee is to be deducted and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">your employer has informed us of your status. During the pay-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">out phase we reserve the right to deduct this fee.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in the Separate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The Base Contract Fee includes 0.04% for the Annual </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Fee. The Annual Contract Fee is $30 annually. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Annual Contract Fee may be waived under certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">circumstances. For classes B, C, and L this fee is waived if your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">total purchase payments for the prior 12 months are at least </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$2,000 on the day the fee is deducted or if your Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Balance is at least $25,000 on the day the fee is deducted and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">for e and e Bonus classes if your Account Balance is at least </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">$50,000 on the day the fee is deducted. The fee will be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">deducted on a pro-rata basis (determined based upon the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">number of complete months that have elapsed since the prior </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Contract Anniversary) if You take a total withdrawal of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance. This fee will not be deducted if You are on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">medical leave approved by your employer or called to active </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">armed service duty at the time the fee is to be deducted and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">your employer has informed us of your status. During the pay-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">out phase we reserve the right to deduct this fee.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of average daily net assets of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">As a percentage of average daily net assets of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">For the Enhanced Death Benefit: as a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance in the Separate Account. For the GMIB fee: as </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">a percentage of your guaranteed minimum income base. For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">the LWG fee: as a percentage of your Total Guaranteed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Withdrawal Amount.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.34pt;">For the Enhanced Death Benefit: as a percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Account Balance in the Separate Account. For the GMIB fee: as </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">a percentage of your guaranteed minimum income base. For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">the LWG fee: as a percentage of your Total Guaranteed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:20.0pt;">Withdrawal Amount.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:15pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lowest Annual Cost:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Highest Annual Cost:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees </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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">1,011</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">3,226</span></div></div></td></tr> <tr style="height:140pt;"> <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:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> classes and Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract classes, optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefits and Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:15pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lowest Annual Cost:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Highest Annual Cost:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Fees </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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">1,011</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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:0.0pt;">3,226</span></div></div></td></tr> <tr style="height:140pt;"> <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:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> classes and Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td> <td colspan="2" 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:132pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Most expensive combination </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract classes, optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefits and Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">No additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals</span></div></div></td></tr></table> 1011 1011 3226 3226 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:34.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is there a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">from Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Performance?</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Contract, including loss </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of principal.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:142pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not a short-term investment and is not </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Withdrawal Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may apply to withdrawals made less than 13 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years after You purchased the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> will reduce the value of your Contract if You withdraw </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">money during that time.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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 benefits of tax deferral and living benefit protections also </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">mean that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is more beneficial to investors with a long </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">time horizon.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Earnings on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract are taxed at ordinary income tax rates </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">when </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You withdraw them, and You may have to pay a penalty if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> take a withdrawal 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;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr> <tr style="height:137pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Associated with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Options?</span></div></div></td> <td colspan="3" 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:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:normal;"><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;">An investment in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is subject to the risk of poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment performance and can vary depending on the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">performance of the investment options available under the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (e.g., Portfolios).</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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 investment option (including the Fixed Interest Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment option) will have its own unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> should review these investment options before making an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment decision.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Subject to certain limitations, if your Account Balance falls below </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the minimum Account Balance or is not sufficient to pay the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract charges, we may terminate your Contract.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr> <tr style="height:144.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Related to the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Insurance Company?</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company. Any obligations (including under the Fixed Interest </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account), guarantees, or benefits, including any death benefit, are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to the claims-paying ability of the Company and our long </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">term ability to make such payments, and are not guaranteed by any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other party. MetLife is regulated as an insurance company under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state law, which generally includes limits on the amount and type of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investments in its general account. However, there is no guarantee </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that we will be able to meet our claims paying obligations; there are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">risks to purchasing any insurance product. More information about </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Company, including its financial strength ratings, is available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon request or by visiting https://www.metlife.com/about-us/</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings/.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:34.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is there a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">from Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Performance?</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Contract, including loss </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of principal.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:142pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Is this a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not a short-term investment and is not </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Withdrawal Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may apply to withdrawals made less than 13 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years after You purchased the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> will reduce the value of your Contract if You withdraw </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">money during that time.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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 benefits of tax deferral and living benefit protections also </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">mean that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is more beneficial to investors with a long </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">time horizon.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Earnings on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract are taxed at ordinary income tax rates </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">when </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You withdraw them, and You may have to pay a penalty if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> take a withdrawal 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;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr> <tr style="height:137pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Associated with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Options?</span></div></div></td> <td colspan="3" 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:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:normal;"><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;">An investment in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is subject to the risk of poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment performance and can vary depending on the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">performance of the investment options available under the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (e.g., Portfolios).</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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 investment option (including the Fixed Interest Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment option) will have its own unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> should review these investment options before making an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment decision.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><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;">Subject to certain limitations, if your Account Balance falls below </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the minimum Account Balance or is not sufficient to pay the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract charges, we may terminate your Contract.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr> <tr style="height:144.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Related to the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Insurance Company?</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company. Any obligations (including under the Fixed Interest </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account), guarantees, or benefits, including any death benefit, are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to the claims-paying ability of the Company and our long </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">term ability to make such payments, and are not guaranteed by any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other party. MetLife is regulated as an insurance company under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state law, which generally includes limits on the amount and type of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investments in its general account. However, there is no guarantee </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that we will be able to meet our claims paying obligations; there are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">risks to purchasing any insurance product. More information about </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Company, including its financial strength ratings, is available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon request or by visiting https://www.metlife.com/about-us/</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings/.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investing in the Contract</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Contract, including loss </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Contract, including loss </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not a short-term investment and is not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</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;margin-left:1.9pt;">Withdrawal Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may apply to withdrawals made less than 13 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years after You purchased the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> will reduce the value of your Contract if You withdraw </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">money during that time.</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;margin-left:1.9pt;">The benefits of tax deferral and living benefit protections also </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">mean that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is more beneficial to investors with a long </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">time horizon.</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;margin-left:1.9pt;">Earnings on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract are taxed at ordinary income tax rates </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">when </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You withdraw them, and You may have to pay a penalty if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> take a withdrawal 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;">.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not a short-term investment and is not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</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;margin-left:1.9pt;">Withdrawal Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> may apply to withdrawals made less than 13 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years after You purchased the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> will reduce the value of your Contract if You withdraw </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">money during that time.</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;margin-left:1.9pt;">The benefits of tax deferral and living benefit protections also </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">mean that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is more beneficial to investors with a long </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">time horizon.</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;margin-left:1.9pt;">Earnings on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract are taxed at ordinary income tax rates </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">when </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You withdraw them, and You may have to pay a penalty if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> take a withdrawal 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;">.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">An investment in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is subject to the risk of poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment performance and can vary depending on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">performance of the investment options available under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (e.g., Portfolios).</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;margin-left:1.9pt;">Each investment option (including the Fixed Interest Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment option) will have its own unique risks.</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;margin-left:1.9pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> should review these investment options before making an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">An investment in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is subject to the risk of poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment performance and can vary depending on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">performance of the investment options available under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (e.g., Portfolios).</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;margin-left:1.9pt;">Each investment option (including the Fixed Interest Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment option) will have its own unique risks.</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;margin-left:1.9pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> should review these investment options before making an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Subject to certain limitations, if your Account Balance falls below </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the minimum Account Balance or is not sufficient to pay the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract charges, we may terminate your Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Subject to certain limitations, if your Account Balance falls below </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the minimum Account Balance or is not sufficient to pay the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract charges, we may terminate your Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company. Any obligations (including under the Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account), guarantees, or benefits, including any death benefit, are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to the claims-paying ability of the Company and our long </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">term ability to make such payments, and are not guaranteed by any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other party. MetLife is regulated as an insurance company under </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state law, which generally includes limits on the amount and type of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investments in its general account. However, there is no guarantee </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that we will be able to meet our claims paying obligations; there are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">risks to purchasing any insurance product. More information about </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Company, including its financial strength ratings, is available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon request or by visiting https://www.metlife.com/about-us/</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings/.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company. Any obligations (including under the Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account), guarantees, or benefits, including any death benefit, are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to the claims-paying ability of the Company and our long </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">term ability to make such payments, and are not guaranteed by any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other party. MetLife is regulated as an insurance company under </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state law, which generally includes limits on the amount and type of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investments in its general account. However, there is no guarantee </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">that we will be able to meet our claims paying obligations; there are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">risks to purchasing any insurance product. More information about </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Company, including its financial strength ratings, is available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon request or by visiting https://www.metlife.com/about-us/</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings/.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Although we do not currently charge a fee for transfers of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value among Divisions or between the Divisions and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, we reserve the right to impose a transfer fee </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of $25 on transfers in excess of 12 in a Contract Year. The Lifetime </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Guarantee imposes restrictions and limitations on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">choice of Portfolios. These restrictions and requirements are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">intended to protect the Company and reduce the likelihood that we </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">will have to pay guaranteed benefits under the Lifetime Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guarantee out of our own assets. The restrictions and requirements </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could result in your missing out on some or all positive investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance by certain of the Portfolios — this means your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">opportunity for investment gains may be limited.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We reserve the right to add, remove or substitute Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Company also has policies and procedures that attempt to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">detect and deter frequent transfers in situations where we </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determine there is a potential for arbitrage trading, and in those </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">instances, there are additional limits that apply to transfers.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Although we do not currently charge a fee for transfers of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value among Divisions or between the Divisions and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, we reserve the right to impose a transfer fee </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of $25 on transfers in excess of 12 in a Contract Year. The Lifetime </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Guarantee imposes restrictions and limitations on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">choice of Portfolios. These restrictions and requirements are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">intended to protect the Company and reduce the likelihood that we </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">will have to pay guaranteed benefits under the Lifetime Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guarantee out of our own assets. The restrictions and requirements </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could result in your missing out on some or all positive investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance by certain of the Portfolios — this means your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">opportunity for investment gains may be limited.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We reserve the right to add, remove or substitute Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Company also has policies and procedures that attempt to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">detect and deter frequent transfers in situations where we </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determine there is a potential for arbitrage trading, and in those </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">instances, there are additional limits that apply to transfers.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Many optional benefits limit or restrict the Portfolios You may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">select under the Contract. We may change these restrictions in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">future.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You are required to have a certain Contract Value for some optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits. If withdrawals reduce Your Contract below this value, your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefits may be reduced or terminated.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals that exceed limits specified by the terms of an optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit may affect the availability of the benefit by reducing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit by an amount greater than the value withdrawn, and/or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could terminate the benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If your annuity was issued in connection with an employer plan, You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should check with your employer regarding the availability of riders.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Many optional benefits limit or restrict the Portfolios You may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">select under the Contract. We may change these restrictions in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">future.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You are required to have a certain Contract Value for some optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefits. If withdrawals reduce Your Contract below this value, your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefits may be reduced or terminated.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals that exceed limits specified by the terms of an optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit may affect the availability of the benefit by reducing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit by an amount greater than the value withdrawn, and/or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">could terminate the benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If your annuity was issued in connection with an employer plan, You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should check with your employer regarding the availability of riders.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> should consult with a tax professional to determine the tax </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">implications of an investment in and purchase payments received </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;margin-left:1.9pt;">There is no additional tax benefit if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You purchase the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through a tax-qualified plan or individual retirement account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(IRA).</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;margin-left:1.9pt;">If your Contract was purchased through a tax-qualified plan or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">IRA, withdrawals will be subject to ordinary income tax. If your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract is not tax-qualified, earnings on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract will be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">subject to ordinary income tax when </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You withdraw them. You may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">also have to pay a penalty if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You take a withdrawal before age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">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;">.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> should consult with a tax professional to determine the tax </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">implications of an investment in and purchase payments received </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;margin-left:1.9pt;">There is no additional tax benefit if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You purchase the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through a tax-qualified plan or individual retirement account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(IRA).</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;margin-left:1.9pt;">If your Contract was purchased through a tax-qualified plan or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">IRA, withdrawals will be subject to ordinary income tax. If your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract is not tax-qualified, earnings on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract will be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">subject to ordinary income tax when </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You withdraw them. You may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">also have to pay a penalty if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You take a withdrawal before age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">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;">.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation for selling </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this Contract to You, both in the form of commissions and because </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife may share the revenue it earns on this Contract with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional’s firm. This conflict of interest may influence your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment professional to recommend this Contract over another </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation for selling </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this Contract to You, both in the form of commissions and because </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife may share the revenue it earns on this Contract with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional’s firm. This conflict of interest may influence your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment professional to recommend this Contract over another </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer You a new Contract in place of the one You own. You should </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">only exchange your Contract if You determine, after comparing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both contracts, and any fees or penalties </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to terminate the existing contract, that it is better for You to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase the new contract rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer You a new Contract in place of the one You own. You should </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">only exchange your Contract if You determine, after comparing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both contracts, and any fees or penalties </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to terminate the existing contract, that it is better for You to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase the new contract rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">FEES</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering or making withdrawals 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. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender or make withdrawals from the Contract, or transfer Account Value between investment options. State premium taxes may also be deducted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1),(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:11.1pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">9</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;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="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Initiation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">75</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Premium Tax Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are times when the Withdrawal Charge does not apply to amounts that are withdrawn from the Deferred Annuity. For example, after the first Contract Year, each year You may withdraw up to 10% of your Account Balance without a Withdrawal Charge. These withdrawals are made on a non-cumulative basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Although not currently charged, we reserve the right to limit transfers as described later in this Prospectus and we reserve the right to impose a transfer fee. The amount of this fee will be no greater than $25 per transfer on transfers in excess of 12 in a Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Represents the maximum Withdrawal Charges. For the B Class, other than Connecticut, the maximum Withdrawal Charge is 9%. The B Class in Connecticut has a maximum Withdrawal Charge of 10%. As of January 1, 2024, in New York, the maximum Withdrawal Charge for the L Class is 8% and only the L Class is available for new enrollments in New York.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium taxes, if applicable, depend on the Contract You purchased and your home state or jurisdiction and range from 0 to 3.50% of Account Value (or, if applicable, purchase payments).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table describes the fees and expenses that You will pay </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> during the time that You own the Contract (not including Portfolio Company fees and expenses). If You choose to purchase an optional benefit, You will pay additional charges, as shown below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;">Expense</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.05pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of your average </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Account Balance)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.45</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Annual Step-Up Death Benefit (as a percentage of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">your average Account Balance)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Guaranteed Minimum Income Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Lifetime Withdrawal Guarantee Benefit (maximum </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">charge)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annual Loan Maintenance Fee (per loan outstanding)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Contract Fee is $30 annually. The Annual Contract Fee may be waived under certain circumstances. For classes B, C, and L this fee is waived if your total purchase payments for the prior 12 months are at least $2,000 on the day the fee is deducted or if your Account Balance is at least $25,000 on the day the fee is deducted and for e and e Bonus classes if your Account Balance is at least $50,000 on the day the fee is deducted. The fee will be deducted on a pro-rata basis (determined based upon the number of complete months that have elapsed since the prior Contract Anniversary) if You take a total withdrawal of your Account Balance. This fee will not be deducted if You are on medical leave approved by your employer or called to active armed service duty at the time the fee is to be deducted and your employer has informed us of your status. During the pay-out phase we reserve the right to deduct this fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You pay the Base Contract Expenses for your class of the Deferred Annuity during the pay-in phase of your Contract. Charges for optional benefits are those for a Deferred Annuity purchased after April 30, 2009. Different charges may have been in effect for prior time periods. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Base Contract Expenses for the e Bonus Class will be reduced by 0.45% to 0.50% after You have held the Contract for seven years.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may only have one living benefit, the Guaranteed Minimum Income Benefit or the Lifetime Withdrawal Benefit, associated with your Contract at any given time. The charge for the Guaranteed Minimum Income Benefit is a percentage of your guaranteed minimum income base, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Your Investment Options (net of any loans). (We take amounts from the Separate Account by canceling, if available, Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract. Different charges for the Guaranteed Minimum Income Benefit were in effect prior to May 4, 2009.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of your Total Guaranteed Withdrawal Amount, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance. (We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract or after your rider terminates. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit charge to the current charge, but no more than a maximum of 0.95%. Different charges for the optional Lifetime Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans. The loan maintenance fee is paid on a quarterly basis at the end of each quarter on a pro-rata basis from the Divisions and the Fixed Interest Account in which You then have a balance.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Portfolios 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. These amounts also include applicable Platform Charges if You choose to invest in certain Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> A complete list of Portfolios available under the Contract, including their annual expenses, may be found in “Appendix A - Investment Options Available Under the Contract” at the back of this Prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Portfolio Company Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage of daily net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investments in the American Funds</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;"> Division are subject to a platform charge of 0.25%. We reserve the right to impose an additional platform charge on Divisions that we add to the Contract in the future. The additional amount will not exceed the annual rate of 0.25% of the average Account Balance in any such Divisions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">These Examples are intended to help you compare the cost of investing in the Divisions with the cost of investing in other annuity contracts that offer variable options. These costs include Transaction Expenses, Annual Contract Expenses and Annual Portfolio Company Expenses.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Examples assume all Contract Value is allocated to the Divisions. Your costs could differ from those shown below if you invest in the Fixed Interest Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Examples assume that you invest $100,000 in the variable options of the Contract for the time periods indicated and that there are no exchanges or other transactions. The Examples also assume that your investment has a 5% return each year. Examples 1 through 5 assume the most expensive combination of Annual Portfolio Company Expenses and optional benefits available for an additional charge. Examples 6 through 10 assume You purchased the Contract with no optional benefits that resulted in the least expensive combination of charges.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">FEES</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering or making withdrawals 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. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The first table describes the fees and expenses that You will pay at the time that You buy the Contract, surrender or make withdrawals from the Contract, or transfer Account Value between investment options. State premium taxes may also be deducted.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1),(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:11.1pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">9</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;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="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Initiation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">75</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Premium Tax Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are times when the Withdrawal Charge does not apply to amounts that are withdrawn from the Deferred Annuity. For example, after the first Contract Year, each year You may withdraw up to 10% of your Account Balance without a Withdrawal Charge. These withdrawals are made on a non-cumulative basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Although not currently charged, we reserve the right to limit transfers as described later in this Prospectus and we reserve the right to impose a transfer fee. The amount of this fee will be no greater than $25 per transfer on transfers in excess of 12 in a Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Represents the maximum Withdrawal Charges. For the B Class, other than Connecticut, the maximum Withdrawal Charge is 9%. The B Class in Connecticut has a maximum Withdrawal Charge of 10%. As of January 1, 2024, in New York, the maximum Withdrawal Charge for the L Class is 8% and only the L Class is available for new enrollments in New York.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium taxes, if applicable, depend on the Contract You purchased and your home state or jurisdiction and range from 0 to 3.50% of Account Value (or, if applicable, purchase payments).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table describes the fees and expenses that You will pay </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> during the time that You own the Contract (not including Portfolio Company fees and expenses). If You choose to purchase an optional benefit, You will pay additional charges, as shown below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;">Expense</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.05pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of your average </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Account Balance)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.45</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Annual Step-Up Death Benefit (as a percentage of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">your average Account Balance)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Guaranteed Minimum Income Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Lifetime Withdrawal Guarantee Benefit (maximum </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">charge)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annual Loan Maintenance Fee (per loan outstanding)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Contract Fee is $30 annually. The Annual Contract Fee may be waived under certain circumstances. For classes B, C, and L this fee is waived if your total purchase payments for the prior 12 months are at least $2,000 on the day the fee is deducted or if your Account Balance is at least $25,000 on the day the fee is deducted and for e and e Bonus classes if your Account Balance is at least $50,000 on the day the fee is deducted. The fee will be deducted on a pro-rata basis (determined based upon the number of complete months that have elapsed since the prior Contract Anniversary) if You take a total withdrawal of your Account Balance. This fee will not be deducted if You are on medical leave approved by your employer or called to active armed service duty at the time the fee is to be deducted and your employer has informed us of your status. During the pay-out phase we reserve the right to deduct this fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You pay the Base Contract Expenses for your class of the Deferred Annuity during the pay-in phase of your Contract. Charges for optional benefits are those for a Deferred Annuity purchased after April 30, 2009. Different charges may have been in effect for prior time periods. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Base Contract Expenses for the e Bonus Class will be reduced by 0.45% to 0.50% after You have held the Contract for seven years.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may only have one living benefit, the Guaranteed Minimum Income Benefit or the Lifetime Withdrawal Benefit, associated with your Contract at any given time. The charge for the Guaranteed Minimum Income Benefit is a percentage of your guaranteed minimum income base, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Your Investment Options (net of any loans). (We take amounts from the Separate Account by canceling, if available, Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract. Different charges for the Guaranteed Minimum Income Benefit were in effect prior to May 4, 2009.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of your Total Guaranteed Withdrawal Amount, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance. (We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract or after your rider terminates. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit charge to the current charge, but no more than a maximum of 0.95%. Different charges for the optional Lifetime Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans. The loan maintenance fee is paid on a quarterly basis at the end of each quarter on a pro-rata basis from the Divisions and the Fixed Interest Account in which You then have a balance.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Portfolios 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. These amounts also include applicable Platform Charges if You choose to invest in certain Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;font-weight:bold;position:relative;top:-4.75pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;"> A complete list of Portfolios available under the Contract, including their annual expenses, may be found in “Appendix A - Investment Options Available Under the Contract” at the back of this Prospectus.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Portfolio Company Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage of daily net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Investments in the American Funds</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;"> Division are subject to a platform charge of 0.25%. We reserve the right to impose an additional platform charge on Divisions that we add to the Contract in the future. The additional amount will not exceed the annual rate of 0.25% of the average Account Balance in any such Divisions.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">These Examples are intended to help you compare the cost of investing in the Divisions with the cost of investing in other annuity contracts that offer variable options. These costs include Transaction Expenses, Annual Contract Expenses and Annual Portfolio Company Expenses.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Examples assume all Contract Value is allocated to the Divisions. Your costs could differ from those shown below if you invest in the Fixed Interest Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Examples assume that you invest $100,000 in the variable options of the Contract for the time periods indicated and that there are no exchanges or other transactions. The Examples also assume that your investment has a 5% return each year. Examples 1 through 5 assume the most expensive combination of Annual Portfolio Company Expenses and optional benefits available for an additional charge. Examples 6 through 10 assume You purchased the Contract with no optional benefits that resulted in the least expensive combination of charges.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1),(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:11.1pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">9</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;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="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Initiation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">75</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Premium Tax Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are times when the Withdrawal Charge does not apply to amounts that are withdrawn from the Deferred Annuity. For example, after the first Contract Year, each year You may withdraw up to 10% of your Account Balance without a Withdrawal Charge. These withdrawals are made on a non-cumulative basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Although not currently charged, we reserve the right to limit transfers as described later in this Prospectus and we reserve the right to impose a transfer fee. The amount of this fee will be no greater than $25 per transfer on transfers in excess of 12 in a Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Represents the maximum Withdrawal Charges. For the B Class, other than Connecticut, the maximum Withdrawal Charge is 9%. The B Class in Connecticut has a maximum Withdrawal Charge of 10%. As of January 1, 2024, in New York, the maximum Withdrawal Charge for the L Class is 8% and only the L Class is available for new enrollments in New York.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium taxes, if applicable, depend on the Contract You purchased and your home state or jurisdiction and range from 0 to 3.50% of Account Value (or, if applicable, purchase payments).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:39.18pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge (as a percentage of the amount </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">withdrawn)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1),(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:11.1pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">9</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">None</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:15.54pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Times New Roman;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="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">25</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">25</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Initiation Fee</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.93pt;">75</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">75</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:246.38pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Premium Tax Charges</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:39.18pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:30.18pt;"> <div style="display:flex;margin:auto;width:32.18pt;"> <div style="display:flex;white-space:nowrap;width:32.18pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:8.71pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">3.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are times when the Withdrawal Charge does not apply to amounts that are withdrawn from the Deferred Annuity. For example, after the first Contract Year, each year You may withdraw up to 10% of your Account Balance without a Withdrawal Charge. These withdrawals are made on a non-cumulative basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Although not currently charged, we reserve the right to limit transfers as described later in this Prospectus and we reserve the right to impose a transfer fee. The amount of this fee will be no greater than $25 per transfer on transfers in excess of 12 in a Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Represents the maximum Withdrawal Charges. For the B Class, other than Connecticut, the maximum Withdrawal Charge is 9%. The B Class in Connecticut has a maximum Withdrawal Charge of 10%. As of January 1, 2024, in New York, the maximum Withdrawal Charge for the L Class is 8% and only the L Class is available for new enrollments in New York.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium taxes, if applicable, depend on the Contract You purchased and your home state or jurisdiction and range from 0 to 3.50% of Account Value (or, if applicable, purchase payments).</span> 0.10 0 0.09 0 0.03 25 25 25 25 25 75 75 75 75 75 0.0350 0.0350 0.0350 0.0350 0.0350 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are times when the Withdrawal Charge does not apply to amounts that are withdrawn from the Deferred Annuity. For example, after the first Contract Year, each year You may withdraw up to 10% of your Account Balance without a Withdrawal Charge. These withdrawals are made on a non-cumulative basis.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">There are times when the Withdrawal Charge does not apply to amounts that are withdrawn from the Deferred Annuity. For example, after the first Contract Year, each year You may withdraw up to 10% of your Account Balance without a Withdrawal Charge. These withdrawals are made on a non-cumulative basis.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Although not currently charged, we reserve the right to limit transfers as described later in this Prospectus and we reserve the right to impose a transfer fee. The amount of this fee will be no greater than $25 per transfer on transfers in excess of 12 in a Contract Year.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Although not currently charged, we reserve the right to limit transfers as described later in this Prospectus and we reserve the right to impose a transfer fee. The amount of this fee will be no greater than $25 per transfer on transfers in excess of 12 in a Contract Year.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium taxes, if applicable, depend on the Contract You purchased and your home state or jurisdiction and range from 0 to 3.50% of Account Value (or, if applicable, purchase payments).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium taxes, if applicable, depend on the Contract You purchased and your home state or jurisdiction and range from 0 to 3.50% of Account Value (or, if applicable, purchase payments).</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;">Expense</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.05pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of your average </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Account Balance)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.45</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Annual Step-Up Death Benefit (as a percentage of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">your average Account Balance)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Guaranteed Minimum Income Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Lifetime Withdrawal Guarantee Benefit (maximum </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">charge)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annual Loan Maintenance Fee (per loan outstanding)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Contract Fee is $30 annually. The Annual Contract Fee may be waived under certain circumstances. For classes B, C, and L this fee is waived if your total purchase payments for the prior 12 months are at least $2,000 on the day the fee is deducted or if your Account Balance is at least $25,000 on the day the fee is deducted and for e and e Bonus classes if your Account Balance is at least $50,000 on the day the fee is deducted. The fee will be deducted on a pro-rata basis (determined based upon the number of complete months that have elapsed since the prior Contract Anniversary) if You take a total withdrawal of your Account Balance. This fee will not be deducted if You are on medical leave approved by your employer or called to active armed service duty at the time the fee is to be deducted and your employer has informed us of your status. During the pay-out phase we reserve the right to deduct this fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You pay the Base Contract Expenses for your class of the Deferred Annuity during the pay-in phase of your Contract. Charges for optional benefits are those for a Deferred Annuity purchased after April 30, 2009. Different charges may have been in effect for prior time periods. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Base Contract Expenses for the e Bonus Class will be reduced by 0.45% to 0.50% after You have held the Contract for seven years.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may only have one living benefit, the Guaranteed Minimum Income Benefit or the Lifetime Withdrawal Benefit, associated with your Contract at any given time. The charge for the Guaranteed Minimum Income Benefit is a percentage of your guaranteed minimum income base, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Your Investment Options (net of any loans). (We take amounts from the Separate Account by canceling, if available, Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract. Different charges for the Guaranteed Minimum Income Benefit were in effect prior to May 4, 2009.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of your Total Guaranteed Withdrawal Amount, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance. (We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract or after your rider terminates. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit charge to the current charge, but no more than a maximum of 0.95%. Different charges for the optional Lifetime Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans. The loan maintenance fee is paid on a quarterly basis at the end of each quarter on a pro-rata basis from the Divisions and the Fixed Interest Account in which You then have a balance.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:444pt;"> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;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;">Expense</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.72pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">B Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:38.16pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">C Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">L Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:37.05pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:42.74pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">e Bonus</span></div> <div style="margin-left:2.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Class</span></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$30</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of your average </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Account Balance)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.45</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">1.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.50</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Annual Step-Up Death Benefit (as a percentage of </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">your average Account Balance)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Guaranteed Minimum Income Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:29pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Lifetime Withdrawal Guarantee Benefit (maximum </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">charge)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:13.0pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:249.53pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annual Loan Maintenance Fee (per loan outstanding)</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.72pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.72pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><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;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:38.16pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:29.16pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.8pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.8pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.05pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:28.05pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:42.74pt;"> <div style="line-height:12pt;margin-left:4.5pt;margin-right:3pt;text-align:right;width:31.74pt;"> <div style="display:flex;margin:auto;width:27.91pt;"> <div style="display:flex;white-space:nowrap;width:27.91pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:6.66pt;">50</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Contract Fee is $30 annually. The Annual Contract Fee may be waived under certain circumstances. For classes B, C, and L this fee is waived if your total purchase payments for the prior 12 months are at least $2,000 on the day the fee is deducted or if your Account Balance is at least $25,000 on the day the fee is deducted and for e and e Bonus classes if your Account Balance is at least $50,000 on the day the fee is deducted. The fee will be deducted on a pro-rata basis (determined based upon the number of complete months that have elapsed since the prior Contract Anniversary) if You take a total withdrawal of your Account Balance. This fee will not be deducted if You are on medical leave approved by your employer or called to active armed service duty at the time the fee is to be deducted and your employer has informed us of your status. During the pay-out phase we reserve the right to deduct this fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You pay the Base Contract Expenses for your class of the Deferred Annuity during the pay-in phase of your Contract. Charges for optional benefits are those for a Deferred Annuity purchased after April 30, 2009. Different charges may have been in effect for prior time periods. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Base Contract Expenses for the e Bonus Class will be reduced by 0.45% to 0.50% after You have held the Contract for seven years.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may only have one living benefit, the Guaranteed Minimum Income Benefit or the Lifetime Withdrawal Benefit, associated with your Contract at any given time. The charge for the Guaranteed Minimum Income Benefit is a percentage of your guaranteed minimum income base, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Your Investment Options (net of any loans). (We take amounts from the Separate Account by canceling, if available, Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract. Different charges for the Guaranteed Minimum Income Benefit were in effect prior to May 4, 2009.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of your Total Guaranteed Withdrawal Amount, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance. (We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract or after your rider terminates. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit charge to the current charge, but no more than a maximum of 0.95%. Different charges for the optional Lifetime Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans. The loan maintenance fee is paid on a quarterly basis at the end of each quarter on a pro-rata basis from the Divisions and the Fixed Interest Account in which You then have a balance.</span> 30 30 30 30 30 0.0115 0.0145 0.0130 0.0050 0.0095 0.0010 0.0010 0.0010 0.0010 0.0010 0.0070 0.0070 0.0070 0.0070 0.0070 0.0095 0.0095 0.0095 0.0095 0.0095 50 50 50 50 50 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Contract Fee is $30 annually. The Annual Contract Fee may be waived under certain circumstances. For classes B, C, and L this fee is waived if your total purchase payments for the prior 12 months are at least $2,000 on the day the fee is deducted or if your Account Balance is at least $25,000 on the day the fee is deducted and for e and e Bonus classes if your Account Balance is at least $50,000 on the day the fee is deducted. The fee will be deducted on a pro-rata basis (determined based upon the number of complete months that have elapsed since the prior Contract Anniversary) if You take a total withdrawal of your Account Balance. This fee will not be deducted if You are on medical leave approved by your employer or called to active armed service duty at the time the fee is to be deducted and your employer has informed us of your status. During the pay-out phase we reserve the right to deduct this fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You pay the Base Contract Expenses for your class of the Deferred Annuity during the pay-in phase of your Contract. Charges for optional benefits are those for a Deferred Annuity purchased after April 30, 2009. Different charges may have been in effect for prior time periods. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Base Contract Expenses for the e Bonus Class will be reduced by 0.45% to 0.50% after You have held the Contract for seven years.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annual Contract Fee is $30 annually. The Annual Contract Fee may be waived under certain circumstances. For classes B, C, and L this fee is waived if your total purchase payments for the prior 12 months are at least $2,000 on the day the fee is deducted or if your Account Balance is at least $25,000 on the day the fee is deducted and for e and e Bonus classes if your Account Balance is at least $50,000 on the day the fee is deducted. The fee will be deducted on a pro-rata basis (determined based upon the number of complete months that have elapsed since the prior Contract Anniversary) if You take a total withdrawal of your Account Balance. This fee will not be deducted if You are on medical leave approved by your employer or called to active armed service duty at the time the fee is to be deducted and your employer has informed us of your status. During the pay-out phase we reserve the right to deduct this fee.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You pay the Base Contract Expenses for your class of the Deferred Annuity during the pay-in phase of your Contract. Charges for optional benefits are those for a Deferred Annuity purchased after April 30, 2009. Different charges may have been in effect for prior time periods. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Base Contract Expenses for the e Bonus Class will be reduced by 0.45% to 0.50% after You have held the Contract for seven years.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may only have one living benefit, the Guaranteed Minimum Income Benefit or the Lifetime Withdrawal Benefit, associated with your Contract at any given time. The charge for the Guaranteed Minimum Income Benefit is a percentage of your guaranteed minimum income base, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Your Investment Options (net of any loans). (We take amounts from the Separate Account by canceling, if available, Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract. Different charges for the Guaranteed Minimum Income Benefit were in effect prior to May 4, 2009.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You may only have one living benefit, the Guaranteed Minimum Income Benefit or the Lifetime Withdrawal Benefit, associated with your Contract at any given time. The charge for the Guaranteed Minimum Income Benefit is a percentage of your guaranteed minimum income base, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Your Investment Options (net of any loans). (We take amounts from the Separate Account by canceling, if available, Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract. Different charges for the Guaranteed Minimum Income Benefit were in effect prior to May 4, 2009.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of your Total Guaranteed Withdrawal Amount, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance. (We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract or after your rider terminates. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit charge to the current charge, but no more than a maximum of 0.95%. Different charges for the optional Lifetime Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The charge for the Lifetime Withdrawal Guarantee Benefit is a percentage of your Total Guaranteed Withdrawal Amount, as defined later in this Prospectus, and is deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance. (We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance.) You do not pay this charge once You are in the pay-out phase of your Contract or after your rider terminates. If an Automatic Annual Step-Up occurs under a Lifetime Withdrawal Guarantee Benefit, we may increase the Lifetime Withdrawal Guarantee Benefit charge to the current charge, but no more than a maximum of 0.95%. Different charges for the optional Lifetime Withdrawal Guarantee Benefit were in effect prior to May 4, 2009. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans. The loan maintenance fee is paid on a quarterly basis at the end of each quarter on a pro-rata basis from the Divisions and the Fixed Interest Account in which You then have a balance.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee may be waived or reduced for certain Plans. The loan maintenance fee is paid on a quarterly basis at the end of each quarter on a pro-rata basis from the Divisions and the Fixed Interest Account in which You then have a balance.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage of daily net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;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;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage of daily net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage of daily net assets)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> (as a percentage of daily net assets)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from Portfolio Company assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses</span> 0.0052 0.0052 0.0138 0.0138 <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 1 - table 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:40.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:18.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender your Contract at the end of the applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">12,610</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19,126</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25,997</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">42,595</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,750</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16,556</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">21,736</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">34,241</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 3 - table 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:40.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:18.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender your Contract at the end of the applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">12,760</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17,770</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">24,025</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">41,281</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,900</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15,208</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19,790</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">33,050</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 5 - table 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:18.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender your Contract at the end of the applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">6,410</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13,132</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20,520</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">36,525</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5,550</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10,552</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16,224</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">27,882</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 1 - table 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:40.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:18.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender your Contract at the end of the applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">12,610</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19,126</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25,997</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">42,595</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,750</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16,556</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">21,736</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">34,241</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 3 - table 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:40.86pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:18.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender your Contract at the end of the applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">12,760</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17,770</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">24,025</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">41,281</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:317.61pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:40.86pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:28.86pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,900</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15,208</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19,790</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">33,050</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 5 - table 1</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:18.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender your Contract at the end of the applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">6,410</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13,132</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20,520</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">36,525</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5,550</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10,552</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16,224</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">27,882</span></div></div></div></td></tr></table> 12610 19126 25997 42595 11750 16556 21736 34241 <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 1 - table 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You annuitize or do not surrender your Contract at the end of the applicable </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,610</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,026</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18,797</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">39,895</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,750</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">8,456</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14,536</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">31,541</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 1 - table 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You annuitize or do not surrender your Contract at the end of the applicable </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,610</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,026</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18,797</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">39,895</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,750</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">8,456</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14,536</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">31,541</span></div></div></div></td></tr></table> 3610 3610 11026 11026 18797 18797 39895 39895 2750 2750 8456 8456 14536 14536 31541 31541 <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender, annuitize or do not surrender your Contract at the end of the </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,910</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,912</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20,248</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">42,646</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3,050</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">9,358</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16,040</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">34,536</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 3 - table 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You annuitize or do not surrender your Contract at the end of the applicable </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,760</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,470</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19,525</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">41,281</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,900</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">8,908</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15,290</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">33,050</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 4</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender, annuitize or do not surrender your Contract at the end of the </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">2,960</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9,088</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15,591</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">33,647</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,100</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6,484</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,214</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">24,743</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 5 - table 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You annuitize or do not surrender your Contract at the end of the applicable </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,410</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10,432</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17,820</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">36,525</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,550</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">7,852</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13,524</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">27,882</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender, annuitize or do not surrender your Contract at the end of the </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,910</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,912</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20,248</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">42,646</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3,050</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">9,358</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16,040</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">34,536</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 3 - table 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You annuitize or do not surrender your Contract at the end of the applicable </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,760</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,470</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19,525</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">41,281</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,900</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">8,908</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15,290</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">33,050</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 4</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender, annuitize or do not surrender your Contract at the end of the </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">2,960</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9,088</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15,591</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">33,647</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,100</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6,484</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11,214</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">24,743</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example 5 - table 2</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:20.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;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;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:37.46pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">3 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:41.34pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5 Years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:44.84pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10 Years</span></div></div></td></tr> <tr style="height:29.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You annuitize or do not surrender your Contract at the end of the applicable </span></div> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">time period</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:1.75pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"> </div></div></div></td></tr> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Maximum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><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;">3,410</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10,432</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17,820</span></div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:12.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">36,525</span></div></div></div></td></tr> <tr style="height:13.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;width:321.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:37.46pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.46pt;"> <div style="display:flex;margin:auto;width:26.42pt;"> <div style="display:flex;white-space:nowrap;width:26.42pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2,550</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.44pt;">7,852</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:41.34pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:29.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13,524</span></div></div></div></td> <td style="padding-bottom:3pt;padding-top:2.625pt;vertical-align:Bottom;white-space:nowrap;width:44.84pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:2pt;text-align:right;width:34.34pt;"> <div style="display:flex;margin:auto;width:30.86pt;"> <div style="display:flex;white-space:nowrap;width:30.86pt;"><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;">27,882</span></div></div></div></td></tr></table> 3910 3910 3910 3910 11912 11912 11912 11912 20248 20248 20248 20248 42646 42646 42646 42646 3050 3050 3050 3050 9358 9358 9358 9358 16040 16040 16040 16040 34536 34536 34536 34536 12760 17770 24025 41281 11900 15208 19790 33050 3760 3760 11470 11470 19525 19525 41281 41281 2900 2900 8908 8908 15290 15290 33050 33050 2960 2960 2960 9088 9088 9088 15591 15591 15591 33647 33647 33647 2100 2100 2100 6484 6484 6484 11214 11214 11214 24743 24743 24743 6410 13132 20520 36525 5550 10552 16224 27882 3410 3410 10432 10432 17820 17820 36525 36525 2550 2550 7852 7852 13524 13524 27882 27882 <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">Investing in the Contract involves risks. The following are the principal risks of an investment in the Contract. You should carefully consider the below risks in addition to the other information contained in this Prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Market Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is not a bank deposit and is not guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. The Contract is subject to market risk (the risk that your investments may decline in value or underperform your expectations). As a result, You can lose money by investing in the Contract, including loss of principal.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Early Withdrawal Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If You withdraw early, You may have to pay a Withdrawal Charge and/or income taxes, including a tax penalty if You are younger than age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Withdrawal Charges may apply if You withdraw money from the Contract less than 13 Contract Years after You purchased the Contract. Withdrawal Charges will reduce the value of your Contract if You withdraw money during that time. The benefits of tax deferral and living benefit protections also mean that the Contract is more beneficial to investors with a long time horizon.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Risk of Underlying Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolio Companies). Each investment option (including the Fixed Interest Account investment option) will have its own unique risks. We do not provide any investment advice and do not recommend or endorse any particular Portfolio. You bear the risk of any decline in the Account Balance of your Contract resulting from the performance of the Portfolios You have chosen. You should review these investment options before making an investment decision. Information regarding the Portfolios available under your Contract is available in Appendix A to this Prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to certain limitations, if your Account Balance falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Deferred Annuity.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Benefits Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Withdrawals that exceed limits specified by the terms of any benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">terminate the benefit. In addition, the Lifetime Withdrawal Guarantee imposes restrictions and limitations on your choice of Portfolios. These restrictions and requirements are intended to protect the Company and reduce the likelihood that we will have to pay guaranteed benefits under the Lifetime Withdrawal Guarantee out of our own assets. The restrictions and requirements could result in your missing out on some or all positive investment performance by certain of the Portfolios </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:2.75pt;">– this means your opportunity for investment gains may be limited.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Insurance Company Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the financial strength and claims-paying ability of the Company and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our claims paying obligations; there are risks to purchasing any insurance product.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Contract Changes Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to applicable law, we have the right to make certain changes to your Contract. Examples of the changes we may make include: (i) operating the Separate Account in any form permitted by law; (ii) taking any action necessary to comply with or obtain and continue any exemptions under the law (including favorable treatment under the Federal income tax laws) including limiting the number, frequency or types of transfers/reallocations permitted; (iii) transferring any assets in a Division to another Division, or to one or more Separate Accounts, or to our general account, or adding, combining or removing Divisions in the Separate Account; (iv) substituting Portfolio shares in any Division, with the shares of another class of Brighthouse Trust I, Brighthouse Trust II, or the shares of another investment company or any other investment permitted by law or closing, adding or removing Portfolios as Investment Division investments as permitted by law; (v) changing the way we assess charges, but without increasing the maximum aggregate amount charged to the Separate Account and any currently available Portfolio in connection with the Contracts; and (vi) making any necessary technical changes in the Contracts in order to conform with any of the above-described actions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Conflicts of Interest.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your investment professional may receive compensation for selling this Contract to You, both in the form of commissions and because MetLife may share the revenue it earns on this Contract with the professional’s firm. This conflict of interest may influence your investment professional to recommend this Contract over another investment. In addition, some investment professionals may have a financial incentive to offer You a new contract in place of the one You own. You should only exchange your Contract if You determine, after comparing the features, fees, and risks of both contracts, that it is better for You to purchase the new contract rather than continue to own your existing Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Suitability.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract may not be suitable for all investors. For example, there is no additional tax benefit if You purchase the Contract through a tax-qualified plan or individual retirement account (IRA). Therefore, there should be reasons other than tax deferral for acquiring the Contract. You should consult with a tax or investment professional to determine the tax and other implications of an investment in and purchase payments received under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Taxation Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Although the provisions of the Internal Revenue Code (the “Code”) relevant to the Contract are generally described under “Federal Tax Considerations,” an investor should consult their own tax advisor concerning the effects of federal, state, local and foreign tax law on the Contract. No assurance can be given that, even if the tax provisions currently applicable to the Contract are favorable, the law or regulations or interpretations thereunder will not change and the Contract may be disadvantaged.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Cybersecurity.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Contract transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate Accumulation Unit Values; cause the release and possible loss or destruction of confidential Contract Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Bonus Class Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Expenses of a class that includes a bonus feature may be higher than expenses of a class of the Contract without the bonus, and the additional amount of the bonus may be more than offset by the additional fees and charges associated with the bonus class, including Withdrawal Charges. Any bonus associated with the class will be retrieved upon exercise of a “Free Look” cancellation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Pandemics and Other Public Health Issues and Other Events. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Terrorism and Security Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Technology Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm. </span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">Investing in the Contract involves risks. The following are the principal risks of an investment in the Contract. You should carefully consider the below risks in addition to the other information contained in this Prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Market Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is not a bank deposit and is not guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. The Contract is subject to market risk (the risk that your investments may decline in value or underperform your expectations). As a result, You can lose money by investing in the Contract, including loss of principal.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Early Withdrawal Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If You withdraw early, You may have to pay a Withdrawal Charge and/or income taxes, including a tax penalty if You are younger than age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Withdrawal Charges may apply if You withdraw money from the Contract less than 13 Contract Years after You purchased the Contract. Withdrawal Charges will reduce the value of your Contract if You withdraw money during that time. The benefits of tax deferral and living benefit protections also mean that the Contract is more beneficial to investors with a long time horizon.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Risk of Underlying Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolio Companies). Each investment option (including the Fixed Interest Account investment option) will have its own unique risks. We do not provide any investment advice and do not recommend or endorse any particular Portfolio. You bear the risk of any decline in the Account Balance of your Contract resulting from the performance of the Portfolios You have chosen. You should review these investment options before making an investment decision. Information regarding the Portfolios available under your Contract is available in Appendix A to this Prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to certain limitations, if your Account Balance falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Deferred Annuity.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Benefits Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Withdrawals that exceed limits specified by the terms of any benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">terminate the benefit. In addition, the Lifetime Withdrawal Guarantee imposes restrictions and limitations on your choice of Portfolios. These restrictions and requirements are intended to protect the Company and reduce the likelihood that we will have to pay guaranteed benefits under the Lifetime Withdrawal Guarantee out of our own assets. The restrictions and requirements could result in your missing out on some or all positive investment performance by certain of the Portfolios </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:2.75pt;">– this means your opportunity for investment gains may be limited.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Insurance Company Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the financial strength and claims-paying ability of the Company and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our claims paying obligations; there are risks to purchasing any insurance product.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Contract Changes Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to applicable law, we have the right to make certain changes to your Contract. Examples of the changes we may make include: (i) operating the Separate Account in any form permitted by law; (ii) taking any action necessary to comply with or obtain and continue any exemptions under the law (including favorable treatment under the Federal income tax laws) including limiting the number, frequency or types of transfers/reallocations permitted; (iii) transferring any assets in a Division to another Division, or to one or more Separate Accounts, or to our general account, or adding, combining or removing Divisions in the Separate Account; (iv) substituting Portfolio shares in any Division, with the shares of another class of Brighthouse Trust I, Brighthouse Trust II, or the shares of another investment company or any other investment permitted by law or closing, adding or removing Portfolios as Investment Division investments as permitted by law; (v) changing the way we assess charges, but without increasing the maximum aggregate amount charged to the Separate Account and any currently available Portfolio in connection with the Contracts; and (vi) making any necessary technical changes in the Contracts in order to conform with any of the above-described actions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Conflicts of Interest.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your investment professional may receive compensation for selling this Contract to You, both in the form of commissions and because MetLife may share the revenue it earns on this Contract with the professional’s firm. This conflict of interest may influence your investment professional to recommend this Contract over another investment. In addition, some investment professionals may have a financial incentive to offer You a new contract in place of the one You own. You should only exchange your Contract if You determine, after comparing the features, fees, and risks of both contracts, that it is better for You to purchase the new contract rather than continue to own your existing Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Suitability.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract may not be suitable for all investors. For example, there is no additional tax benefit if You purchase the Contract through a tax-qualified plan or individual retirement account (IRA). Therefore, there should be reasons other than tax deferral for acquiring the Contract. You should consult with a tax or investment professional to determine the tax and other implications of an investment in and purchase payments received under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Taxation Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Although the provisions of the Internal Revenue Code (the “Code”) relevant to the Contract are generally described under “Federal Tax Considerations,” an investor should consult their own tax advisor concerning the effects of federal, state, local and foreign tax law on the Contract. No assurance can be given that, even if the tax provisions currently applicable to the Contract are favorable, the law or regulations or interpretations thereunder will not change and the Contract may be disadvantaged.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Cybersecurity.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Contract transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate Accumulation Unit Values; cause the release and possible loss or destruction of confidential Contract Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Bonus Class Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Expenses of a class that includes a bonus feature may be higher than expenses of a class of the Contract without the bonus, and the additional amount of the bonus may be more than offset by the additional fees and charges associated with the bonus class, including Withdrawal Charges. Any bonus associated with the class will be retrieved upon exercise of a “Free Look” cancellation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Pandemics and Other Public Health Issues and Other Events. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Terrorism and Security Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Technology Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm. </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Market Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is not a bank deposit and is not guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. The Contract is subject to market risk (the risk that your investments may decline in value or underperform your expectations). As a result, You can lose money by investing in the Contract, including loss of principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Market Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is not a bank deposit and is not guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. The Contract is subject to market risk (the risk that your investments may decline in value or underperform your expectations). As a result, You can lose money by investing in the Contract, including loss of principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Early Withdrawal Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If You withdraw early, You may have to pay a Withdrawal Charge and/or income taxes, including a tax penalty if You are younger than age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Withdrawal Charges may apply if You withdraw money from the Contract less than 13 Contract Years after You purchased the Contract. Withdrawal Charges will reduce the value of your Contract if You withdraw money during that time. The benefits of tax deferral and living benefit protections also mean that the Contract is more beneficial to investors with a long time horizon.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Early Withdrawal Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. If You withdraw early, You may have to pay a Withdrawal Charge and/or income taxes, including a tax penalty if You are younger than age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Withdrawal Charges may apply if You withdraw money from the Contract less than 13 Contract Years after You purchased the Contract. Withdrawal Charges will reduce the value of your Contract if You withdraw money during that time. The benefits of tax deferral and living benefit protections also mean that the Contract is more beneficial to investors with a long time horizon.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Risk of Underlying Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolio Companies). Each investment option (including the Fixed Interest Account investment option) will have its own unique risks. We do not provide any investment advice and do not recommend or endorse any particular Portfolio. You bear the risk of any decline in the Account Balance of your Contract resulting from the performance of the Portfolios You have chosen. You should review these investment options before making an investment decision. Information regarding the Portfolios available under your Contract is available in Appendix A to this Prospectus.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Risk of Underlying Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolio Companies). Each investment option (including the Fixed Interest Account investment option) will have its own unique risks. We do not provide any investment advice and do not recommend or endorse any particular Portfolio. You bear the risk of any decline in the Account Balance of your Contract resulting from the performance of the Portfolios You have chosen. You should review these investment options before making an investment decision. Information regarding the Portfolios available under your Contract is available in Appendix A to this Prospectus.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to certain limitations, if your Account Balance falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Deferred Annuity.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Termination</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to certain limitations, if your Account Balance falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Deferred Annuity.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Benefits Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Withdrawals that exceed limits specified by the terms of any benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">terminate the benefit. In addition, the Lifetime Withdrawal Guarantee imposes restrictions and limitations on your choice of Portfolios. These restrictions and requirements are intended to protect the Company and reduce the likelihood that we will have to pay guaranteed benefits under the Lifetime Withdrawal Guarantee out of our own assets. The restrictions and requirements could result in your missing out on some or all positive investment performance by certain of the Portfolios </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:2.75pt;">– this means your opportunity for investment gains may be limited.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Contract Benefits Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Withdrawals that exceed limits specified by the terms of any benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">terminate the benefit. In addition, the Lifetime Withdrawal Guarantee imposes restrictions and limitations on your choice of Portfolios. These restrictions and requirements are intended to protect the Company and reduce the likelihood that we will have to pay guaranteed benefits under the Lifetime Withdrawal Guarantee out of our own assets. The restrictions and requirements could result in your missing out on some or all positive investment performance by certain of the Portfolios </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:2.75pt;">– this means your opportunity for investment gains may be limited.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Insurance Company Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the financial strength and claims-paying ability of the Company and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our claims paying obligations; there are risks to purchasing any insurance product.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Insurance Company Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the financial strength and claims-paying ability of the Company and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our claims paying obligations; there are risks to purchasing any insurance product.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Contract Changes Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to applicable law, we have the right to make certain changes to your Contract. Examples of the changes we may make include: (i) operating the Separate Account in any form permitted by law; (ii) taking any action necessary to comply with or obtain and continue any exemptions under the law (including favorable treatment under the Federal income tax laws) including limiting the number, frequency or types of transfers/reallocations permitted; (iii) transferring any assets in a Division to another Division, or to one or more Separate Accounts, or to our general account, or adding, combining or removing Divisions in the Separate Account; (iv) substituting Portfolio shares in any Division, with the shares of another class of Brighthouse Trust I, Brighthouse Trust II, or the shares of another investment company or any other investment permitted by law or closing, adding or removing Portfolios as Investment Division investments as permitted by law; (v) changing the way we assess charges, but without increasing the maximum aggregate amount charged to the Separate Account and any currently available Portfolio in connection with the Contracts; and (vi) making any necessary technical changes in the Contracts in order to conform with any of the above-described actions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Contract Changes Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Subject to applicable law, we have the right to make certain changes to your Contract. Examples of the changes we may make include: (i) operating the Separate Account in any form permitted by law; (ii) taking any action necessary to comply with or obtain and continue any exemptions under the law (including favorable treatment under the Federal income tax laws) including limiting the number, frequency or types of transfers/reallocations permitted; (iii) transferring any assets in a Division to another Division, or to one or more Separate Accounts, or to our general account, or adding, combining or removing Divisions in the Separate Account; (iv) substituting Portfolio shares in any Division, with the shares of another class of Brighthouse Trust I, Brighthouse Trust II, or the shares of another investment company or any other investment permitted by law or closing, adding or removing Portfolios as Investment Division investments as permitted by law; (v) changing the way we assess charges, but without increasing the maximum aggregate amount charged to the Separate Account and any currently available Portfolio in connection with the Contracts; and (vi) making any necessary technical changes in the Contracts in order to conform with any of the above-described actions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Conflicts of Interest.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your investment professional may receive compensation for selling this Contract to You, both in the form of commissions and because MetLife may share the revenue it earns on this Contract with the professional’s firm. This conflict of interest may influence your investment professional to recommend this Contract over another investment. In addition, some investment professionals may have a financial incentive to offer You a new contract in place of the one You own. You should only exchange your Contract if You determine, after comparing the features, fees, and risks of both contracts, that it is better for You to purchase the new contract rather than continue to own your existing Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Conflicts of Interest.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your investment professional may receive compensation for selling this Contract to You, both in the form of commissions and because MetLife may share the revenue it earns on this Contract with the professional’s firm. This conflict of interest may influence your investment professional to recommend this Contract over another investment. In addition, some investment professionals may have a financial incentive to offer You a new contract in place of the one You own. You should only exchange your Contract if You determine, after comparing the features, fees, and risks of both contracts, that it is better for You to purchase the new contract rather than continue to own your existing Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Suitability.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract may not be suitable for all investors. For example, there is no additional tax benefit if You purchase the Contract through a tax-qualified plan or individual retirement account (IRA). Therefore, there should be reasons other than tax deferral for acquiring the Contract. You should consult with a tax or investment professional to determine the tax and other implications of an investment in and purchase payments received under the Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Suitability.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> An investment in the Contract may not be suitable for all investors. For example, there is no additional tax benefit if You purchase the Contract through a tax-qualified plan or individual retirement account (IRA). Therefore, there should be reasons other than tax deferral for acquiring the Contract. You should consult with a tax or investment professional to determine the tax and other implications of an investment in and purchase payments received under the Contract.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Taxation Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Although the provisions of the Internal Revenue Code (the “Code”) relevant to the Contract are generally described under “Federal Tax Considerations,” an investor should consult their own tax advisor concerning the effects of federal, state, local and foreign tax law on the Contract. No assurance can be given that, even if the tax provisions currently applicable to the Contract are favorable, the law or regulations or interpretations thereunder will not change and the Contract may be disadvantaged.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Taxation Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Although the provisions of the Internal Revenue Code (the “Code”) relevant to the Contract are generally described under “Federal Tax Considerations,” an investor should consult their own tax advisor concerning the effects of federal, state, local and foreign tax law on the Contract. No assurance can be given that, even if the tax provisions currently applicable to the Contract are favorable, the law or regulations or interpretations thereunder will not change and the Contract may be disadvantaged.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Cybersecurity.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Contract transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate Accumulation Unit Values; cause the release and possible loss or destruction of confidential Contract Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Cybersecurity.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Contract transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate Accumulation Unit Values; cause the release and possible loss or destruction of confidential Contract Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Bonus Class Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Expenses of a class that includes a bonus feature may be higher than expenses of a class of the Contract without the bonus, and the additional amount of the bonus may be more than offset by the additional fees and charges associated with the bonus class, including Withdrawal Charges. Any bonus associated with the class will be retrieved upon exercise of a “Free Look” cancellation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Bonus Class Risk. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Expenses of a class that includes a bonus feature may be higher than expenses of a class of the Contract without the bonus, and the additional amount of the bonus may be more than offset by the additional fees and charges associated with the bonus class, including Withdrawal Charges. Any bonus associated with the class will be retrieved upon exercise of a “Free Look” cancellation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Pandemics and Other Public Health Issues and Other Events. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Pandemics and Other Public Health Issues and Other Events. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Terrorism and Security Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Terrorism and Security Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Technology Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">Technology Risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">The Fixed Interest Account</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Deferred Annuities have a fixed interest rate option called the “Fixed Interest Account.” The Fixed Interest Account is not available to all Contract Owners. The Fixed Interest Account is part of our general account and offers an interest rate that is guaranteed by us. The minimum interest rate depends on the date your Contract was issued but will not be less than 3%. The interest rate for each amount allocated to the Fixed Interest Account is set by us in advance on the beginning of each calendar quarter (January 1, April 1, etc.). The declared interest rate in effect when an allocation to the Fixed Interest Account is made will be credited from the date it is received until the last day of the calendar quarter of the following year, at which time a renewal rate will be set. Thereafter, each year a renewal rate will apply to that amount plus the interest previously credited to that amount, as long as the amounts remain in the Fixed Interest Account. The renewal rate will be set by us in advance and will apply for 12 months. Interest will be credited to the Fixed Interest Account on a daily basis. Subject to our transfer rules, You may transfer money into and out of the Fixed Interest Account. For information regarding current interest rates, You may contact our Administrative Office. Information about the Fixed Interest Account, including its name, its term and its minimum guaranteed interest rate is available in Appendix A —  Investment Options Available Under the Deferred Annuity — Fixed Option. The current interest rate may vary by Contract class.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Because of exemptive and exclusionary provisions, interests in the Fixed Interest Account have not been registered under the Securities Act of 1933 (the “1933 Act”), and neither the Fixed Interest Account nor our general account has been registered as an investment company under the 1940 Act. The Fixed Interest Account and our general account are not subject to the provisions or restrictions of the 1933 Act or the 1940 Act. The Fixed Interest Account is not available with a Deferred Annuity issued in New York State with the optional Guaranteed Minimum Income Benefit. The variable Pay-Out Options under the Deferred Annuities have a fixed payment option called the “Fixed Income Option.” Under the Fixed Income Option, we guarantee the amount of your fixed income payments. These fixed options are not described in this Prospectus although we occasionally refer to them. All guarantees as to purchase payments or Account Balance allocated to the Fixed Interest Account, interest credited to the Fixed Interest Account, and fixed annuity payments are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">The Fixed Interest Account</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Deferred Annuities have a fixed interest rate option called the “Fixed Interest Account.” The Fixed Interest Account is not available to all Contract Owners. The Fixed Interest Account is part of our general account and offers an interest rate that is guaranteed by us. The minimum interest rate depends on the date your Contract was issued but will not be less than 3%. The interest rate for each amount allocated to the Fixed Interest Account is set by us in advance on the beginning of each calendar quarter (January 1, April 1, etc.). The declared interest rate in effect when an allocation to the Fixed Interest Account is made will be credited from the date it is received until the last day of the calendar quarter of the following year, at which time a renewal rate will be set. Thereafter, each year a renewal rate will apply to that amount plus the interest previously credited to that amount, as long as the amounts remain in the Fixed Interest Account. The renewal rate will be set by us in advance and will apply for 12 months. Interest will be credited to the Fixed Interest Account on a daily basis. Subject to our transfer rules, You may transfer money into and out of the Fixed Interest Account. For information regarding current interest rates, You may contact our Administrative Office. Information about the Fixed Interest Account, including its name, its term and its minimum guaranteed interest rate is available in Appendix A —  Investment Options Available Under the Deferred Annuity — Fixed Option. The current interest rate may vary by Contract class.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Because of exemptive and exclusionary provisions, interests in the Fixed Interest Account have not been registered under the Securities Act of 1933 (the “1933 Act”), and neither the Fixed Interest Account nor our general account has been registered as an investment company under the 1940 Act. The Fixed Interest Account and our general account are not subject to the provisions or restrictions of the 1933 Act or the 1940 Act. The Fixed Interest Account is not available with a Deferred Annuity issued in New York State with the optional Guaranteed Minimum Income Benefit. The variable Pay-Out Options under the Deferred Annuities have a fixed payment option called the “Fixed Income Option.” Under the Fixed Income Option, we guarantee the amount of your fixed income payments. These fixed options are not described in this Prospectus although we occasionally refer to them. All guarantees as to purchase payments or Account Balance allocated to the Fixed Interest Account, interest credited to the Fixed Interest Account, and fixed annuity payments are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">BENEFITS AVAILABLE UNDER THE CONTRACT</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following table summarizes information about the benefits available under the Contract:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:228pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the greater </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of (1) your Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance less any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans; or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(2) total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately by the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage reduction </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">attributable to each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawal less </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:336pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greatest of (1) your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance; (2) </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals and any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge) or (3) "Highest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary Value" as </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of each Contract </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> birthday, plus </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any subsequent </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans, and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals (including </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any applicable </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% as a percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of your average </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div> <div style="margin-left:2.75pt;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 may not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">purchase this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">if You are 80 years of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">age or older.</span></div> <div style="margin-left:2.75pt;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;">Available only at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:294pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Minimum </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Designed to guarantee </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a predictable, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">minimum level of fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">regardless of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the pay-in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guaranteed minimum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income base</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee) in effect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">at the same time.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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;">May only be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exercised after a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">10-year waiting </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">period.</span></div> <div style="margin-left:2.75pt;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;">Availability subject </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">to state.</span></div> <div style="margin-left:2.75pt;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;">Cannot be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminated.</span></div> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:432pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guarantee Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed Payments </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for Life. So long as You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make your first </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal on or after </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the date You reach age </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;">, the LWG </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that we will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make payments to You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over your lifetime, even </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if your Remaining </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance decline to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">zero.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your Total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options. (See </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">“Appendix A</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment Options </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Available Under the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Allocation </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Restrictions for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Certain Optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefits.”)</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Minimum Income </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefit) in effect at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the same time.</span></div> <div style="margin-left:2.75pt;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;">In the first 15 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may only cancel this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefit every 5 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Thereafter You may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">cancel annually </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">within 30 days </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">following the eligible </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Anniversary.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:182.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Nursing </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Home or Hospital </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Confinement</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of nursing </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">home or hospital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">confinement, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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 must meet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">certain length of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">confinement </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements.</span></div></div></td></tr> <tr style="height:275pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Terminal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Illness</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of a terminal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">illness, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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;">Certain </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">relating to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">nature of the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 must not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">been diagnosed with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">as of the Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue date.</span></div></div></td></tr> <tr style="height:89.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Equity Generator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An amount equal to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">interest earned in the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is transferred monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to any one Division </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selection.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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 your Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account Balance at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the time of a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">scheduled transfer is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">zero, this strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automatically </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Rebalancer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">asset allocation for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your entire Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance from among </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Divisions and the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if available. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter we transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts among these </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">options to bring the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each option back to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your original </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">In the future, we </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may permit You to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">allocate less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">100% of your Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance to this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy.</span></div></div></td></tr> <tr style="height:227pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Index Selector</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may select one of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">five asset allocation </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">models which are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designed to correlate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to various risk </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tolerance levels. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter the percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in each of the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in which the model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">invests and any Fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">brought back to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferring amounts </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and any Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options.</span></div> <div style="margin-left:2.75pt;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 Index Selector is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">not available with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the optional Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee.</span></div></div></td></tr> <tr style="height:116.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Allocator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfers a dollar </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of your choice </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account to any of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions you choose on </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a monthly basis.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Minimum periodic </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfer of $50 is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required.</span></div> <div style="margin-left:2.75pt;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;">Once your Fixed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exhausted, the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:522pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Withdrawal Program</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar amount or a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your choice each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Year.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Not available under </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the 457(b) Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuity issued to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">tax-exempt </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">organizations.</span></div> <div style="margin-left:2.75pt;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;">Not available in all </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">states.</span></div> <div style="margin-left:2.75pt;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;">Income taxes, tax </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">penalties and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may apply to your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals.</span></div> <div style="margin-left:2.75pt;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;">Subject to our </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required minimums </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and administrative </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">restrictions.</span></div> <div style="margin-left:2.75pt;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;">Not available to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">B and L Classes of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities until the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">second Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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 elect to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">receive payments </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">program, You must </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">have no loan </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">outstanding from the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account and You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">must either be 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></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">years old or have left </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your job. Tax law </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">generally prohibits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals from </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">TSA Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities before You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">reach 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;">.</span></div> <div style="margin-left:2.75pt;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;">Not available in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">conjunction with any </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment strategy.</span></div></div></td></tr></table><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;">If your annuity was issued in connection with an employer plan, you should check with your employer regarding the availability of benefits.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">BENEFITS AVAILABLE UNDER THE CONTRACT</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following table summarizes information about the benefits available under the Contract:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:228pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the greater </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of (1) your Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance less any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans; or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(2) total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately by the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage reduction </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">attributable to each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawal less </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:336pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greatest of (1) your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance; (2) </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals and any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge) or (3) "Highest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary Value" as </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of each Contract </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> birthday, plus </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any subsequent </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans, and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals (including </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any applicable </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% as a percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of your average </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div> <div style="margin-left:2.75pt;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 may not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">purchase this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">if You are 80 years of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">age or older.</span></div> <div style="margin-left:2.75pt;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;">Available only at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:294pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Minimum </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Designed to guarantee </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a predictable, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">minimum level of fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">regardless of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the pay-in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guaranteed minimum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income base</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee) in effect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">at the same time.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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;">May only be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exercised after a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">10-year waiting </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">period.</span></div> <div style="margin-left:2.75pt;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;">Availability subject </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">to state.</span></div> <div style="margin-left:2.75pt;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;">Cannot be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminated.</span></div> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:432pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guarantee Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed Payments </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for Life. So long as You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make your first </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal on or after </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the date You reach age </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;">, the LWG </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that we will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make payments to You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over your lifetime, even </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if your Remaining </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance decline to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">zero.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your Total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options. (See </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">“Appendix A</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment Options </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Available Under the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Allocation </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Restrictions for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Certain Optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefits.”)</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Minimum Income </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefit) in effect at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the same time.</span></div> <div style="margin-left:2.75pt;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;">In the first 15 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may only cancel this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefit every 5 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Thereafter You may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">cancel annually </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">within 30 days </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">following the eligible </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Anniversary.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:182.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Nursing </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Home or Hospital </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Confinement</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of nursing </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">home or hospital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">confinement, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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 must meet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">certain length of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">confinement </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements.</span></div></div></td></tr> <tr style="height:275pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Terminal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Illness</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of a terminal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">illness, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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;">Certain </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">relating to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">nature of the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 must not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">been diagnosed with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">as of the Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue date.</span></div></div></td></tr> <tr style="height:89.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Equity Generator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An amount equal to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">interest earned in the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is transferred monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to any one Division </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selection.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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 your Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account Balance at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the time of a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">scheduled transfer is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">zero, this strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automatically </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Rebalancer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">asset allocation for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your entire Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance from among </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Divisions and the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if available. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter we transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts among these </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">options to bring the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each option back to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your original </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">In the future, we </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may permit You to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">allocate less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">100% of your Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance to this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy.</span></div></div></td></tr> <tr style="height:227pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Index Selector</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may select one of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">five asset allocation </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">models which are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designed to correlate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to various risk </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tolerance levels. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter the percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in each of the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in which the model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">invests and any Fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">brought back to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferring amounts </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and any Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options.</span></div> <div style="margin-left:2.75pt;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 Index Selector is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">not available with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the optional Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee.</span></div></div></td></tr> <tr style="height:116.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Allocator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfers a dollar </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of your choice </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account to any of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions you choose on </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a monthly basis.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Minimum periodic </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfer of $50 is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required.</span></div> <div style="margin-left:2.75pt;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;">Once your Fixed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exhausted, the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:522pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Withdrawal Program</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar amount or a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your choice each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Year.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Not available under </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the 457(b) Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuity issued to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">tax-exempt </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">organizations.</span></div> <div style="margin-left:2.75pt;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;">Not available in all </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">states.</span></div> <div style="margin-left:2.75pt;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;">Income taxes, tax </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">penalties and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may apply to your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals.</span></div> <div style="margin-left:2.75pt;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;">Subject to our </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required minimums </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and administrative </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">restrictions.</span></div> <div style="margin-left:2.75pt;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;">Not available to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">B and L Classes of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities until the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">second Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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 elect to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">receive payments </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">program, You must </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">have no loan </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">outstanding from the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account and You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">must either be 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></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">years old or have left </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your job. Tax law </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">generally prohibits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals from </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">TSA Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities before You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">reach 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;">.</span></div> <div style="margin-left:2.75pt;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;">Not available in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">conjunction with any </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment strategy.</span></div></div></td></tr></table><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;">If your annuity was issued in connection with an employer plan, you should check with your employer regarding the availability of benefits.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:228pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the greater </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of (1) your Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance less any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans; or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(2) total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately by the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage reduction </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">attributable to each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawal less </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:336pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greatest of (1) your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance; (2) </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals and any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge) or (3) "Highest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary Value" as </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of each Contract </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> birthday, plus </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any subsequent </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans, and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals (including </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any applicable </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% as a percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of your average </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div> <div style="margin-left:2.75pt;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 may not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">purchase this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">if You are 80 years of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">age or older.</span></div> <div style="margin-left:2.75pt;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;">Available only at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:294pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Minimum </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Designed to guarantee </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a predictable, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">minimum level of fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">regardless of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the pay-in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guaranteed minimum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income base</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee) in effect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">at the same time.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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;">May only be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exercised after a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">10-year waiting </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">period.</span></div> <div style="margin-left:2.75pt;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;">Availability subject </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">to state.</span></div> <div style="margin-left:2.75pt;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;">Cannot be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminated.</span></div> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:432pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guarantee Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed Payments </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for Life. So long as You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make your first </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal on or after </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the date You reach age </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;">, the LWG </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that we will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make payments to You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over your lifetime, even </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if your Remaining </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance decline to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">zero.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your Total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options. (See </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">“Appendix A</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment Options </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Available Under the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Allocation </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Restrictions for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Certain Optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefits.”)</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Minimum Income </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefit) in effect at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the same time.</span></div> <div style="margin-left:2.75pt;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;">In the first 15 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may only cancel this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefit every 5 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Thereafter You may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">cancel annually </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">within 30 days </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">following the eligible </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Anniversary.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:182.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Nursing </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Home or Hospital </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Confinement</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of nursing </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">home or hospital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">confinement, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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 must meet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">certain length of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">confinement </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements.</span></div></div></td></tr> <tr style="height:275pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Terminal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Illness</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of a terminal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">illness, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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;">Certain </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">relating to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">nature of the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 must not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">been diagnosed with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">as of the Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue date.</span></div></div></td></tr> <tr style="height:89.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Equity Generator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An amount equal to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">interest earned in the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is transferred monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to any one Division </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selection.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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 your Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account Balance at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the time of a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">scheduled transfer is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">zero, this strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automatically </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Rebalancer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">asset allocation for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your entire Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance from among </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Divisions and the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if available. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter we transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts among these </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">options to bring the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each option back to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your original </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">In the future, we </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may permit You to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">allocate less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">100% of your Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance to this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy.</span></div></div></td></tr> <tr style="height:227pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Index Selector</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may select one of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">five asset allocation </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">models which are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designed to correlate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to various risk </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tolerance levels. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter the percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in each of the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in which the model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">invests and any Fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">brought back to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferring amounts </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and any Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options.</span></div> <div style="margin-left:2.75pt;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 Index Selector is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">not available with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the optional Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee.</span></div></div></td></tr> <tr style="height:116.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Allocator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfers a dollar </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of your choice </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account to any of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions you choose on </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a monthly basis.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Minimum periodic </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfer of $50 is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required.</span></div> <div style="margin-left:2.75pt;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;">Once your Fixed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exhausted, the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:522pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Withdrawal Program</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar amount or a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your choice each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Year.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Not available under </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the 457(b) Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuity issued to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">tax-exempt </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">organizations.</span></div> <div style="margin-left:2.75pt;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;">Not available in all </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">states.</span></div> <div style="margin-left:2.75pt;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;">Income taxes, tax </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">penalties and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may apply to your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals.</span></div> <div style="margin-left:2.75pt;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;">Subject to our </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required minimums </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and administrative </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">restrictions.</span></div> <div style="margin-left:2.75pt;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;">Not available to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">B and L Classes of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities until the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">second Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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 elect to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">receive payments </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">program, You must </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">have no loan </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">outstanding from the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account and You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">must either be 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></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">years old or have left </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your job. Tax law </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">generally prohibits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals from </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">TSA Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities before You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">reach 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;">.</span></div> <div style="margin-left:2.75pt;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;">Not available in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">conjunction with any </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment strategy.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:228pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the greater </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of (1) your Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance less any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans; or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(2) total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately by the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage reduction </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">attributable to each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawal less </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:336pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Step-Up Death </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greatest of (1) your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance; (2) </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">total purchase </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals and any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge) or (3) "Highest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary Value" as </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of each Contract </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> birthday, plus </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any subsequent </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for any </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans, and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals (including </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any applicable </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% as a percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of your average </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div> <div style="margin-left:2.75pt;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 may not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">purchase this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">if You are 80 years of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">age or older.</span></div> <div style="margin-left:2.75pt;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;">Available only at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:294pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Minimum </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Designed to guarantee </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a predictable, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">minimum level of fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income payments, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">regardless of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the pay-in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.70</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guaranteed minimum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income base</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee) in effect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">at the same time.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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;">May only be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exercised after a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">10-year waiting </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">period.</span></div> <div style="margin-left:2.75pt;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;">Availability subject </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">to state.</span></div> <div style="margin-left:2.75pt;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;">Cannot be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminated.</span></div> <div style="margin-left:2.75pt;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;">Withdrawals could </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:432pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guarantee Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed Payments </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for Life. So long as You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make your first </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal on or after </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the date You reach age </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;">, the LWG </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that we will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make payments to You </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over your lifetime, even </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if your Remaining </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance decline to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">zero.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.95</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of your Total </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">No longer available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</span></div> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options. (See </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">“Appendix A</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment Options </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Available Under the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> — </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Allocation </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Restrictions for </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Certain Optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefits.”)</span></div> <div style="margin-left:2.75pt;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;">Age restrictions </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 may not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Guaranteed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Minimum Income </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefit) in effect at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the same time.</span></div> <div style="margin-left:2.75pt;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;">In the first 15 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may only cancel this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefit every 5 </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Thereafter You may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">cancel annually </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">within 30 days </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">following the eligible </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Anniversary.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:182.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Nursing </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Home or Hospital </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Confinement</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of nursing </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">home or hospital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">confinement, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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 must meet </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">certain length of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">confinement </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements.</span></div></div></td></tr> <tr style="height:275pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Terminal </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Illness</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of a terminal </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">illness, subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Only available after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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;">Age restrictions, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</span></div> <div style="margin-left:2.75pt;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;">Must be approved in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</span></div> <div style="margin-left:2.75pt;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;">Certain </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">relating to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">nature of the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</span></div> <div style="margin-left:2.75pt;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 must not have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">been diagnosed with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the terminal illness </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">as of the Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue date.</span></div></div></td></tr> <tr style="height:89.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Equity Generator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An amount equal to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">interest earned in the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is transferred monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to any one Division </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selection.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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 your Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account Balance at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the time of a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">scheduled transfer is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">zero, this strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automatically </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Rebalancer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">asset allocation for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your entire Account </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance from among </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Divisions and the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if available. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter we transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts among these </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">options to bring the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each option back to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your original </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">In the future, we </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may permit You to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">allocate less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">100% of your Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance to this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy.</span></div></div></td></tr> <tr style="height:227pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Index Selector</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</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:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may select one of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">five asset allocation </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">models which are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designed to correlate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to various risk </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tolerance levels. Each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter the percentage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in each of the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in which the model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">invests and any Fixed </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">brought back to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected model </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferring amounts </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and any Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Benefit limits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options.</span></div> <div style="margin-left:2.75pt;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 Index Selector is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">not available with </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the optional Lifetime </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee.</span></div></div></td></tr> <tr style="height:116.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Allocator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfers a dollar </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of your choice </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account to any of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions you choose on </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a monthly basis.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Minimum periodic </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfer of $50 is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required.</span></div> <div style="margin-left:2.75pt;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;">Once your Fixed </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Interest Account </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exhausted, the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of Benefit*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Optional?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:96.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:98.1pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:522pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Withdrawal Program</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws a specific </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar amount or a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your choice each </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Year.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:96.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:98.1pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;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;">Not available under </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the 457(b) Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuity issued to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">tax-exempt </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">organizations.</span></div> <div style="margin-left:2.75pt;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;">Not available in all </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">states.</span></div> <div style="margin-left:2.75pt;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;">Income taxes, tax </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">penalties and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may apply to your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals.</span></div> <div style="margin-left:2.75pt;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;">Subject to our </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required minimums </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and administrative </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">restrictions.</span></div> <div style="margin-left:2.75pt;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;">Not available to the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">B and L Classes of </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities until the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">second Contract </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</span></div> <div style="margin-left:2.75pt;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 elect to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">receive payments </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">program, You must </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">have no loan </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">outstanding from the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Fixed Interest </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account and You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">must either be 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></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">years old or have left </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your job. Tax law </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">generally prohibits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals from </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">TSA Deferred </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities before You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">reach 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;">.</span></div> <div style="margin-left:2.75pt;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;">Not available in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">conjunction with any </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automated </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment strategy.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Standard Death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the greater </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of (1) your Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance less any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(2) total purchase </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment reduced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately by the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage reduction </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Account Balance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">attributable to each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawal less </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any outstanding loans </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the greater </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of (1) your Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance less any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(2) total purchase </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment reduced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately by the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage reduction </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Account Balance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">attributable to each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawal less </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any outstanding loans </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge).</span> true true 0 0 <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;">Withdrawals could </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</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;margin-left:1.9pt;">Withdrawals could </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Step-Up Death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Step-Up Death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greatest of (1) your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance; (2) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">total purchase </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments reduced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals and any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge) or (3) "Highest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary Value" as </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of each Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> birthday, plus </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any subsequent </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase payments, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans, and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals (including </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any applicable </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die during the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">pay-in phase, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit will not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be less than the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greatest of (1) your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance; (2) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">total purchase </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payments reduced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals and any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">applicable Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Charge) or (3) "Highest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary Value" as </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of each Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary prior to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> birthday, plus </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any subsequent </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase payments, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loans, and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">proportionately for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals (including </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any applicable </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge).</span> true true 0.0010 0.0010 <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;">Withdrawals could </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</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;margin-left:1.9pt;">You may not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">purchase this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">if You are 80 years of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">age or older.</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;margin-left:1.9pt;">Available only at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue.</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;margin-left:1.9pt;">Withdrawals could </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</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;margin-left:1.9pt;">You may not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">purchase this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">if You are 80 years of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">age or older.</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;margin-left:1.9pt;">Available only at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Minimum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guaranteed Minimum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Income Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Designed to guarantee </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a predictable, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">minimum level of fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income payments, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">regardless of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the pay-in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Designed to guarantee </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a predictable, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">minimum level of fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income payments, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">regardless of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the pay-in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span> true true 0.0070 0.0070 <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;">No longer available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</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;margin-left:1.9pt;">You may not have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Lifetime </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee) in effect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">at the same time.</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;margin-left:1.9pt;">Age restrictions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</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;margin-left:1.9pt;">May only be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exercised after a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">10-year waiting </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">period.</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;margin-left:1.9pt;">Availability subject </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">to state.</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;margin-left:1.9pt;">Cannot be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminated.</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;margin-left:1.9pt;">Withdrawals could </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</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;margin-left:1.9pt;">No longer available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</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;margin-left:1.9pt;">You may not have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Lifetime </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee) in effect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">at the same time.</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;margin-left:1.9pt;">Age restrictions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</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;margin-left:1.9pt;">May only be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exercised after a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">10-year waiting </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">period.</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;margin-left:1.9pt;">Availability subject </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">to state.</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;margin-left:1.9pt;">Cannot be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminated.</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;margin-left:1.9pt;">Withdrawals could </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">significantly reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the benefit.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guarantee Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Guarantee Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed Payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for Life. So long as You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make your first </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal on or after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the date You reach age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;">, the LWG </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that we will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make payments to You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over your lifetime, even </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if your Remaining </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance decline to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">zero.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed Payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for Life. So long as You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make your first </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawal on or after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the date You reach age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">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;">, the LWG </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">guarantees that we will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make payments to You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over your lifetime, even </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if your Remaining </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Guaranteed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and/or Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance decline to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">zero.</span> true true 0.0095 0.0095 <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;">No longer available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</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;margin-left:1.9pt;">Benefit limits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options. (See </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">“Appendix A</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;margin-left:9.0pt;">Investment Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Available Under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">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;margin-left:9.0pt;">Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Restrictions for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Certain Optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefits.”)</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;margin-left:1.9pt;">Age restrictions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</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;margin-left:1.9pt;">You may not have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Guaranteed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Minimum Income </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefit) in effect at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the same time.</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;margin-left:1.9pt;">In the first 15 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may only cancel this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefit every 5 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Thereafter You may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">cancel annually </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">within 30 days </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">following the eligible </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Anniversary.</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;margin-left:1.9pt;">No longer available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">for sale.</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;margin-left:1.9pt;">Benefit limits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options. (See </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">“Appendix A</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;margin-left:9.0pt;">Investment Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Available Under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">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;margin-left:9.0pt;">Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Restrictions for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Certain Optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefits.”)</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;margin-left:1.9pt;">Age restrictions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</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;margin-left:1.9pt;">You may not have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">this optional benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and another optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">living benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">(Guaranteed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Minimum Income </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Benefit) in effect at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the same time.</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;margin-left:1.9pt;">In the first 15 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may only cancel this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">benefit every 5 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract Years. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Thereafter You may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">cancel annually </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">within 30 days </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">following the eligible </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Anniversary.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Nursing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Home or Hospital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Confinement</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Nursing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Home or Hospital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Confinement</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of nursing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">home or hospital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">confinement, subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of nursing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">home or hospital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">confinement, subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span> true true 0 0 <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;">Only available after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</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;margin-left:1.9pt;">Age restrictions, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</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;margin-left:1.9pt;">Must be approved in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</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;margin-left:1.9pt;">You must meet </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">certain length of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">confinement </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements.</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;margin-left:1.9pt;">Only available after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</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;margin-left:1.9pt;">Age restrictions, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</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;margin-left:1.9pt;">Must be approved in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</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;margin-left:1.9pt;">You must meet </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">certain length of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">confinement </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Terminal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Illness</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge for Terminal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Illness</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of a terminal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">illness, subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money without a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal Charge in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the event of a terminal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">illness, subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain conditions.</span> true true 0 0 <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;">Only available after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</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;margin-left:1.9pt;">Age restrictions, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</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;margin-left:1.9pt;">Must be approved in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</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;margin-left:1.9pt;">Certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">relating to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">nature of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminal illness </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</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;margin-left:1.9pt;">You must not have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">been diagnosed with </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the terminal illness </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">as of the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue date.</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;margin-left:1.9pt;">Only available after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the first Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</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;margin-left:1.9pt;">Age restrictions, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">ownership </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">doctor certification </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements apply.</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;margin-left:1.9pt;">Must be approved in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your state.</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;margin-left:1.9pt;">Certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">requirements </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">relating to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">nature of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">terminal illness </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">apply.</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;margin-left:1.9pt;">You must not have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">been diagnosed with </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the terminal illness </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">as of the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">issue date.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Equity Generator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Equity Generator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;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;">An amount equal to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">interest earned in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is transferred monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to any one Division </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selection.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An amount equal to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">interest earned in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is transferred monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to any one Division </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selection.</span> true true 0 0 <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 your Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account Balance at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the time of a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">scheduled transfer is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">zero, this strategy is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</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;margin-left:1.9pt;">If your Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account Balance at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the time of a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">scheduled transfer is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">zero, this strategy is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Rebalancer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Rebalancer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;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;">You select a specific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">asset allocation for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your entire Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance from among </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Divisions and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if available. Each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter we transfer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts among these </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">options to bring the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each option back to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your original </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select a specific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">asset allocation for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your entire Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balance from among </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Divisions and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">if available. Each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter we transfer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amounts among these </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">options to bring the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each option back to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your original </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocation.</span> true true 0 0 <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;">In the future, we </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may permit You to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">allocate less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">100% of your Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance to this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">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;margin-left:1.9pt;">In the future, we </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may permit You to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">allocate less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">100% of your Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance to this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Index Selector</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Index Selector</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;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;">You may select one of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">five asset allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">models which are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designed to correlate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to various risk </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tolerance levels. Each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter the percentage </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in each of the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in which the model </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">invests and any Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">brought back to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected model </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferring amounts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and any Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may select one of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">five asset allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">models which are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designed to correlate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to various risk </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">tolerance levels. Each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarter the percentage </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in each of the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in which the model </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">invests and any Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Interest Account is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">brought back to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected model </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage by </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferring amounts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and any Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account</span> true true 0 0 <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;">Benefit limits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options.</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;margin-left:1.9pt;">The Index Selector is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">not available with </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the optional Lifetime </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee.</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;margin-left:1.9pt;">Benefit limits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">available investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">options.</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;margin-left:1.9pt;">The Index Selector is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">not available with </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the optional Lifetime </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Guarantee.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Allocator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Allocator</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfers a dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of your choice </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account to any of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions you choose on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a monthly basis.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfers a dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of your choice </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account to any of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions you choose on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a monthly basis.</span> true true 0 0 <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;">Minimum periodic </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfer of $50 is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required.</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;margin-left:1.9pt;">Once your Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Interest Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exhausted, the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</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;margin-left:1.9pt;">Minimum periodic </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfer of $50 is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required.</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;margin-left:1.9pt;">Once your Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Interest Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Balance is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">exhausted, the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">strategy is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">discontinued.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Systematic </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Withdrawal Program</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Systematic </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Withdrawal Program</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws a specific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar amount or a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your choice each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Year.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws a specific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar amount or a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your choice each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Year.</span> true true 0 0 <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;">Not available under </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the 457(b) Deferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuity issued to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">tax-exempt </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">organizations.</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;margin-left:1.9pt;">Not available in all </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">states.</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;margin-left:1.9pt;">Income taxes, tax </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">penalties and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may apply to your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals.</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;margin-left:1.9pt;">Subject to our </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required minimums </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and administrative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">restrictions.</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;margin-left:1.9pt;">Not available to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">B and L Classes of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the Deferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities until the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">second Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</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;margin-left:1.9pt;">If You elect to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">receive payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">program, You must </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">have no loan </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">outstanding from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account and You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">must either be 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:9.0pt;">years old or have left </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your job. Tax law </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">generally prohibits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals from </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">TSA Deferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities before You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">reach 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;">.</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;margin-left:1.9pt;">Not available in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">conjunction with any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment 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;margin-left:1.9pt;">Not available under </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the 457(b) Deferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuity issued to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">tax-exempt </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">organizations.</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;margin-left:1.9pt;">Not available in all </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">states.</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;margin-left:1.9pt;">Income taxes, tax </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">penalties and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Withdrawal Charges </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">may apply to your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals.</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;margin-left:1.9pt;">Subject to our </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">required minimums </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">and administrative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">restrictions.</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;margin-left:1.9pt;">Not available to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">B and L Classes of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">the Deferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities until the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">second Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Year.</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;margin-left:1.9pt;">If You elect to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">receive payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">through this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">program, You must </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">have no loan </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">outstanding from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Fixed Interest </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Account and You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">must either be 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:9.0pt;">years old or have left </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">your job. Tax law </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">generally prohibits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">withdrawals from </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">TSA Deferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Annuities before You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">reach 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;">.</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;margin-left:1.9pt;">Not available in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">conjunction with any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">automated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">investment strategy.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Death Benefit — Generally</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">One of the insurance guarantees we provide You under your Deferred Annuity is that your Beneficiaries will be protected during the “pay-in” phase against market downturns. You name your Beneficiary(ies).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You intend to purchase the Deferred Annuity for use with a SEP or SIMPLE IRA, please refer to the discussion concerning Qualified Annuity Contracts in the Federal Tax Considerations section of this Prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The standard death benefit is described below. An additional optional death benefit is described in the “Optional Death Benefit” and "Annual Step-Up Death Benefit" sections. Check your Contract and riders for the specific provisions applicable to You. The optional death benefit may not be available in your state (check with your registered representative regarding availability). There is no death benefit after the pay-out phase begins, however, depending on the Pay-Out Option you elect, any remaining guarantee will be paid to your Beneficiary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The death benefit is determined as of the end of the business day on which we receive both due proof of death and an election for the payment method.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If we are presented with notification of your death before any requested transaction is completed (including transactions under automated investment strategies, the minimum distribution program and the Systematic Withdrawal Program), we will cancel the request. As described above, the death benefit will be determined when we receive due proof of death and an election for the payment method.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Until the Beneficiary (or each Beneficiary if there are multiple Beneficiaries) submits the necessary documentation in Good Order, the Account Balance attributable to his/her portion of the death benefit remains in the Divisions and is subject to investment risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Where there are multiple Beneficiaries, the death benefit will only be determined as of the time the first Beneficiary submits the necessary documentation in Good Order. If the death benefit payable is an amount that exceeds the Account Balance on the day it is determined, we will apply to the Contract an amount equal to the difference between the death benefit payable and the Account Balance, in accordance with the current allocation of the Account Balance. This death benefit amount remains in the Divisions and/or Fixed Interest Account until each of the other Beneficiaries submits the necessary documentation in Good Order to claim his/her death benefit. Any death benefit amounts held in the Divisions on behalf of the remaining Beneficiaries are subject to investment risk. There is no additional death benefit guarantee.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Your Beneficiary has the option to apply the death benefit less any applicable premium and other taxes to a Pay-Out Option offered under your Deferred Annuity. Your Beneficiary may, however, decide to take payment in one sum, including either by check, by placing the amount in an account that earns interest, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds or under other settlement options that we may make available. If your contract was issued as an individual flexible contribution deferred variable annuity you may also elect to have surrender proceeds paid into a Total Control Account established for You, subject to our current established administrative procedures and requirements. You should always consult a tax adviser for complete information and advice applicable to your individual situation before having proceeds paid into a Total Control Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Total Control Account</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Beneficiary may elect to have the Contract’s death proceeds paid through a settlement option called the Total Control Account, subject to our current established administrative procedures and requirements. The Total Control </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assets backing the Total Control Accounts are maintained in our General Account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Account, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Death Benefit — Generally</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">One of the insurance guarantees we provide You under your Deferred Annuity is that your Beneficiaries will be protected during the “pay-in” phase against market downturns. You name your Beneficiary(ies).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You intend to purchase the Deferred Annuity for use with a SEP or SIMPLE IRA, please refer to the discussion concerning Qualified Annuity Contracts in the Federal Tax Considerations section of this Prospectus.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The standard death benefit is described below. An additional optional death benefit is described in the “Optional Death Benefit” and "Annual Step-Up Death Benefit" sections. Check your Contract and riders for the specific provisions applicable to You. The optional death benefit may not be available in your state (check with your registered representative regarding availability). There is no death benefit after the pay-out phase begins, however, depending on the Pay-Out Option you elect, any remaining guarantee will be paid to your Beneficiary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The death benefit is determined as of the end of the business day on which we receive both due proof of death and an election for the payment method.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If we are presented with notification of your death before any requested transaction is completed (including transactions under automated investment strategies, the minimum distribution program and the Systematic Withdrawal Program), we will cancel the request. As described above, the death benefit will be determined when we receive due proof of death and an election for the payment method.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Until the Beneficiary (or each Beneficiary if there are multiple Beneficiaries) submits the necessary documentation in Good Order, the Account Balance attributable to his/her portion of the death benefit remains in the Divisions and is subject to investment risk.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Where there are multiple Beneficiaries, the death benefit will only be determined as of the time the first Beneficiary submits the necessary documentation in Good Order. If the death benefit payable is an amount that exceeds the Account Balance on the day it is determined, we will apply to the Contract an amount equal to the difference between the death benefit payable and the Account Balance, in accordance with the current allocation of the Account Balance. This death benefit amount remains in the Divisions and/or Fixed Interest Account until each of the other Beneficiaries submits the necessary documentation in Good Order to claim his/her death benefit. Any death benefit amounts held in the Divisions on behalf of the remaining Beneficiaries are subject to investment risk. There is no additional death benefit guarantee.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Your Beneficiary has the option to apply the death benefit less any applicable premium and other taxes to a Pay-Out Option offered under your Deferred Annuity. Your Beneficiary may, however, decide to take payment in one sum, including either by check, by placing the amount in an account that earns interest, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds or under other settlement options that we may make available. If your contract was issued as an individual flexible contribution deferred variable annuity you may also elect to have surrender proceeds paid into a Total Control Account established for You, subject to our current established administrative procedures and requirements. You should always consult a tax adviser for complete information and advice applicable to your individual situation before having proceeds paid into a Total Control Account.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Total Control Account</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Beneficiary may elect to have the Contract’s death proceeds paid through a settlement option called the Total Control Account, subject to our current established administrative procedures and requirements. The Total Control </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assets backing the Total Control Accounts are maintained in our General Account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Account, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You die during the pay-in phase and You have not chosen the optional death benefit, the death benefit the Beneficiary receives will be equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Your Account Balance, less any outstanding loans; or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Total purchase payments reduced proportionately by the percentage reduction in Account Balance attributable to each partial withdrawal, less any outstanding loans (including any applicable Withdrawal Charge).</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:15.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;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;"> </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:Bottom;width:237.88pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </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:Bottom;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Purchase Payment</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2019</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$100,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">B</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2020</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(First Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">C</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/1/2020</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of A and B)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">D</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(Second Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">E</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$100,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of A and D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">F</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$9,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">G</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Percentage Reduction in Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10%</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(=F/D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">H</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance after</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$81,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= D </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> F )</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Purchase Payments</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">[= A-(A x G)]</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:15.11pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">J</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:237.88pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of H and I)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Notes to Example:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Any Withdrawal Charge withdrawn from the Account Balance is included when determining the percentage of Account Balance withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Account Balances on 10/1/21 and 10/2/21 are assumed to be equal prior to the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">There are no loans.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You die during the pay-in phase and You have not chosen the optional death benefit, the death benefit the Beneficiary receives will be equal to the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Your Account Balance, less any outstanding loans; or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Total purchase payments reduced proportionately by the percentage reduction in Account Balance attributable to each partial withdrawal, less any outstanding loans (including any applicable Withdrawal Charge).</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:15.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;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;"> </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:Bottom;width:237.88pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </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:Bottom;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Purchase Payment</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2019</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$100,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">B</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2020</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(First Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">C</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/1/2020</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of A and B)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">D</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(Second Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">E</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$100,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of A and D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">F</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$9,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">G</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Percentage Reduction in Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10%</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(=F/D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">H</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance after</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$81,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= D </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> F )</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Purchase Payments</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduced for</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">[= A-(A x G)]</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:15.11pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">J</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:237.88pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of H and I)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Notes to Example:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Any Withdrawal Charge withdrawn from the Account Balance is included when determining the percentage of Account Balance withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Account Balances on 10/1/21 and 10/2/21 are assumed to be equal prior to the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">There are no loans.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Optional Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Please note that the decision to purchase the optional death benefit is made at the time of application and is irrevocable. The optional death benefit is available subject to state approval. Your employer, association or other group Contract holder may limit the availability of any optional benefit. (A loan will decrease the value of any optional benefit purchased with this Contract. See your employer for more information about the availability and features of loans.)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Optional Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Please note that the decision to purchase the optional death benefit is made at the time of application and is irrevocable. The optional death benefit is available subject to state approval. Your employer, association or other group Contract holder may limit the availability of any optional benefit. (A loan will decrease the value of any optional benefit purchased with this Contract. See your employer for more information about the availability and features of loans.)</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Annual Step-Up Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Annual Step-Up Death Benefit is designed to provide protection against adverse investment experience. In general, it guarantees that the death benefit will not be less than the greatest of (1) your Account Balance; (2) total purchase payments reduced for any outstanding loans and reduced proportionately for withdrawals (including any applicable Withdrawal Charge); or (3) “Highest Anniversary Value” as of each contract anniversary prior to your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> birthday reduced for any outstanding loans and reduced proportionately for withdrawals and (including any applicable Withdrawal Charge). You may not purchase this benefit if You are 80 years of age or older.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may purchase at application a death benefit that provides that the death benefit amount is equal to the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Account Balance, less any outstanding loans;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Total purchase payments reduced proportionately for withdrawals and any outstanding loans (including any applicable Withdrawal Charge); or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">“Highest Anniversary Value” as of each Contract Anniversary, determined as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At issue, the Highest Anniversary Value is your initial purchase payment;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Increase the Highest Anniversary Value by each subsequent purchase payment;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Reduce the Highest Anniversary Value proportionately by the percentage reduction in Account Balance attributable to each subsequent partial withdrawal, less any outstanding loans (including any applicable Withdrawal Charge);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On each Contract Anniversary before your 81st birthday, compare the (1) then Highest Anniversary Value to the (2) current Account Balance and set the Highest Anniversary Value equal to the greater of the two.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the Contract Anniversary immediately preceding your 81st birthday, adjust the Highest Anniversary Value only to:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Increase the Highest Anniversary Value by each subsequent purchase payment or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Reduce the Highest Anniversary Value proportionately by the percentage reduction in Account Balance attributable to each subsequent partial withdrawal, less any outstanding loans (including any applicable Withdrawal Charge).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For purposes of determining the Highest Anniversary Value as of the applicable Contract Anniversary, purchase payments increase the Highest Anniversary Value on a dollar for dollar basis. Partial withdrawals, however, reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the Highest Anniversary Value proportionately, that is, the percentage reduction is equal to the dollar amount of the withdrawal (plus applicable Withdrawal Charges) divided by the Account Balance immediately before the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Annual Step-Up Death Benefit is available for a charge, in addition to the Standard Death Benefit Separate Account Charge, of 0.10% annually of the average daily value of the amount You have in the Separate Account.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Annual Step-Up Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Annual Step-Up Death Benefit is designed to provide protection against adverse investment experience. In general, it guarantees that the death benefit will not be less than the greatest of (1) your Account Balance; (2) total purchase payments reduced for any outstanding loans and reduced proportionately for withdrawals (including any applicable Withdrawal Charge); or (3) “Highest Anniversary Value” as of each contract anniversary prior to your 81</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">st</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> birthday reduced for any outstanding loans and reduced proportionately for withdrawals and (including any applicable Withdrawal Charge). You may not purchase this benefit if You are 80 years of age or older.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may purchase at application a death benefit that provides that the death benefit amount is equal to the greatest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Account Balance, less any outstanding loans;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Total purchase payments reduced proportionately for withdrawals and any outstanding loans (including any applicable Withdrawal Charge); or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">“Highest Anniversary Value” as of each Contract Anniversary, determined as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At issue, the Highest Anniversary Value is your initial purchase payment;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Increase the Highest Anniversary Value by each subsequent purchase payment;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Reduce the Highest Anniversary Value proportionately by the percentage reduction in Account Balance attributable to each subsequent partial withdrawal, less any outstanding loans (including any applicable Withdrawal Charge);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On each Contract Anniversary before your 81st birthday, compare the (1) then Highest Anniversary Value to the (2) current Account Balance and set the Highest Anniversary Value equal to the greater of the two.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the Contract Anniversary immediately preceding your 81st birthday, adjust the Highest Anniversary Value only to:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Increase the Highest Anniversary Value by each subsequent purchase payment or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Reduce the Highest Anniversary Value proportionately by the percentage reduction in Account Balance attributable to each subsequent partial withdrawal, less any outstanding loans (including any applicable Withdrawal Charge).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For purposes of determining the Highest Anniversary Value as of the applicable Contract Anniversary, purchase payments increase the Highest Anniversary Value on a dollar for dollar basis. Partial withdrawals, however, reduce </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the Highest Anniversary Value proportionately, that is, the percentage reduction is equal to the dollar amount of the withdrawal (plus applicable Withdrawal Charges) divided by the Account Balance immediately before the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Annual Step-Up Death Benefit is available for a charge, in addition to the Standard Death Benefit Separate Account Charge, of 0.10% annually of the average daily value of the amount You have in the Separate Account.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:15.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;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;"> </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:Bottom;width:237.88pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </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:Bottom;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Purchase Payment</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2019</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$100,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">B</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2020</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(First Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">C</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Highest Anniversary Value)</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/1/2020</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of A and B)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">D</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(Second Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">E</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Highest Contract Year</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary)</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of C and D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">F</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$9,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">G</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Percentage</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Reduction in Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10% (= F/D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">H</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance after</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$81,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= D </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> F )</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Highest Anniversary</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value reduced for Withdrawal</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$93,600</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= E </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (E x G))</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:15.11pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">J</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:237.88pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$93,600</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of H and I)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Notes to Example:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Any Withdrawal Charge withdrawn from the Account Balance is included when determining the percentage of Account Balance withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Account Balances on 10/1/21 and 10/2/21 are assumed to be equal prior to the withdrawal. The purchaser is age 60 at issue.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">There are no loans.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example:</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:15.11pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;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;"> </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:Bottom;width:237.88pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </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:Bottom;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Purchase Payment</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2019</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$100,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">B</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2020</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(First Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">C</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Highest Anniversary Value)</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/1/2020</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of A and B)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">D</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(Second Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$90,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">E</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Highest Contract Year</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary)</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/1/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$104,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of C and D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">F</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$9,000</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">G</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Percentage</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Reduction in Account Balance</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10% (= F/D)</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">H</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Balance after</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawal</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$81,000</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= D </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> F )</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:15.11pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I</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:237.88pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Highest Anniversary</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value reduced for Withdrawal</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:128.01pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">As of 10/2/2021</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$93,600</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= E </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">–</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> (E x G))</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:15.11pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">J</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:237.88pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:128.01pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10/2/2021</span></div></div></td> <td style="padding-bottom:3pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$93,600</span></div> <div style="margin-left:4.25pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">(= greater of H and I)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Notes to Example:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Any Withdrawal Charge withdrawn from the Account Balance is included when determining the percentage of Account Balance withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Account Balances on 10/1/21 and 10/2/21 are assumed to be equal prior to the withdrawal. The purchaser is age 60 at issue.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">There are no loans.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Living Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">GMIB — (may also be known as the “Predictor” in our sales literature and advertising)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As of the close of the Exchange on September, 17, 2018, the GMIB is not available for sale to any new employer sponsored retirement plan or to any new participants under an existing employer sponsored retirement plan.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We offered the GMIB that, for an additional charge, offers protection against market risk (the risk that your investments may decline in value or underperform your expectations). Our guaranteed income benefit, called GMIB, is designed to allow You to invest your Account Balance in the market while at the same time assuring a </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">specified guaranteed level of minimum fixed income payments if You elect to receive income payments (“annuitize”). The fixed annuity payment amount is guaranteed regardless of investment performance or the actual Account Balance at the time You elect income payments. Prior to exercising this optional benefit and annuitizing your Contract, You may make withdrawals up to a maximum level and still maintain the optional benefit amount. This optional benefit must be elected at Contract issue.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This optional benefit is designed to guarantee a predictable, minimum level of fixed income payments, regardless of investment performance of your Account Balance during the pay-in phase. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">However, if applying your actual Account Balance at the time You annuitize the Contract to then current annuity purchase rates (outside of the optional benefit) produces higher income payments, You will receive the higher payments, and thus You will have paid for the optional benefit even though it was not used.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Also, prior to exercising the optional benefit, You may make specified withdrawals that reduce your income base (as explained below) during the pay-in phase and still leave the optional benefit guarantees intact, provided the conditions of the optional benefit are met. Your registered representative can provide You an illustration of the amounts You would receive, with or without withdrawals, if You exercised the optional benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The GMIB was available in all states except New York. In the states of Montana, Utah and West Virginia, the GMIB was only available for elective TSA (non-ERISA) and SEP/SIMPLE Deferred Annuities. In Oregon, the GMIB was only available for TSA ERISA, 403(a) and 457(b) Deferred Annuities.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Once elected, the optional benefit cannot be terminated except as discussed below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">GMIB and Qualified Contracts</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The GMIB may have limited usefulness in connection with a qualified Contract, such as TSA, TSA ERISA, IRA, 403(a), 401(a), 401(k) or 457(b), in circumstances where, due to the 10-year waiting period after purchase, the Contract Owner is unable to exercise the benefit until after the required beginning date of required minimum distributions under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> In such event, required minimum distributions received from the Contract during the 10-year waiting period will have the effect of reducing the income base either on a proportionate or dollar for dollar basis, as the case may be. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">This may have the effect of reducing or eliminating the value of annuity payments under the GMIB. You should consult your tax adviser prior to electing a GMIB.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You take a full withdrawal of your Account Balance, your Contract is terminated by us due to its small Account Balance and inactivity (see “When We Can Cancel your Deferred Annuity”), your Contract lapses for any reason, or in those instances where your employer has the ability to do so your employer terminates the Contract, and there remains any income base, You forfeit your income base and any further rights to the GMIB.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Facts About the Guaranteed Minimum Income Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Income Base and GMIB Income Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We calculate an “income base” (as described below) that determines, in part, the minimum amount You receive as an income payment upon exercising the GMIB and annuitizing the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">It is important to recognize that this income base is not available for cash withdrawals and does not establish or guarantee your Account Balance or a minimum return for any Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After a minimum 10-year waiting period, and not more than 30 days after the Contract Anniversary following your 85th birthday, You may exercise the benefit. We then will apply the income base calculated at the time of exercise to the GMIB Annuity Table (as described below) specified in the rider in order to determine your minimum guaranteed lifetime fixed monthly income payments. (Your actual payment may be higher than this minimum if, as discussed above, the base Contract under its terms would provide a higher payment.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your employer, association or other group Contract holder has instituted loans for its plan or arrangement, You have taken a loan and You have also purchased the GMIB, we will not treat amounts withdrawn from your Account Balance on account of a loan as a withdrawal from the Contract for purposes of determining the income base. In addition, we will not treat the repayment of loan amounts as a purchase payment to the Contract for the purposes of determining the income base.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The GMIB Annuity Table. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The GMIB Annuity Table is specified in the rider. This table is calculated based on the Annuity 2000 Mortality Table with a 7-year age set back with interest of 2.5% per year. As with other pay-out types, the amount You receive as an income payment also depends on the income type You select, your age, and your sex (where permitted by state law). </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The annuity rates in the GMIB Annuity Table are conservative and a Withdrawal Charge may be applicable, so the amount of guaranteed minimum lifetime income that the GMIB produces may be less than the amount of annuity income that would be provided by applying your Account Balance on your annuity date to then-current annuity purchase rates.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You exercise the GMIB, your income payments will be the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the income payment determined by applying the amount of the income base to the GMIB Annuity Table, or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the income payment determined for the same income type in accordance with the base Contract. (See “Pay-Out Options (or Income Options).”)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You choose not to receive income payments as guaranteed under the GMIB, You may elect any of the income options available under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">If the amount of the guaranteed minimum lifetime income that the GMIB produces is less than the amount of annuity income that would be provided by applying your Account Balance on the Annuity Date to the then-current annuity purchase rates, then You would have paid for an optional benefit You did not use.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Description of the GMIB</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In states where approved, the GMIB was available only up to, but not including, age 76 and You could have only elected the GMIB at the time You purchased the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The GMIB may be exercised after a 10-year waiting period and then only within 30 days following a Contract Anniversary, provided that the exercise must occur no later than the 30-day period following the Contract Anniversary following your 85th birthday.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Income Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The income base is equal to the greater of (a) or (b) below:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">(a)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Highest Anniversary Value: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the issue date, the “Highest Anniversary Value” is equal to your initial purchase payment. Thereafter, the Highest Anniversary Value will be increased by subsequent purchase payments and reduced proportionately by the percentage reduction in Account Balance attributable to each subsequent withdrawal (including any applicable Withdrawal Charge). On each Contract Anniversary prior to your 81st birthday, the Highest Anniversary Value will be recalculated and set equal to the greater of the Highest Anniversary Value before the recalculation or the Account Balance on the date of the recalculation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Highest Anniversary Value does not change after the Contract Anniversary immediately preceding your 81st birthday, except that it is increased for each subsequent purchase payment and reduced proportionally by the percentage reduction in Account Balance attributable to each subsequent withdrawal (including any applicable Withdrawal Charge).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">(b)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Increase Amount: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the date we issue your Contract, the “Annual Increase Amount” is equal to your initial purchase payment. Thereafter, the Annual Increase Amount is equal to (i) less (ii), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(i)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">is purchase payments accumulated at the Annual Increase Rate of 6% (as defined below); and</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(ii)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">is withdrawal adjustments (as defined below) accumulated at the Annual Increase Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Highest Anniversary Value and Annual Increase Amount are calculated independently of each other. When the Highest Anniversary Value is recalculated and set equal to the Account Balance, the Annual Increase Amount is not set equal to the Account Balance.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Increase Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> As noted above we calculate an income base under the GMIB that helps determine the minimum amount You receive as an income payment upon exercising the benefit. One of the factors used in calculating the income base is called the “annual increase rate.” Through the Contract Anniversary immediately prior to your 81st birthday, the Annual Increase Rate is 6%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the first Contract Anniversary, “at the beginning of the Contract Year” means on the issue date; on a later Contract Anniversary, “at the beginning of the Contract Year” means on the prior Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">During the 30-day period following the Contract Anniversary immediately prior to your 81st birthday, the annual increase rate is 0%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Withdrawal Adjustments.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Withdrawal adjustments in a Contract Year are determined according to (a) or (b):</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(a)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The withdrawal adjustment for each withdrawal in a Contract Year is the value of the Annual Increase Amount immediately prior to the withdrawal multiplied by the percentage reduction in Account Balance attributable to the withdrawal (including any applicable Withdrawal Charge); or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(b)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If total withdrawals in a Contract Year are not greater than the Annual Increase Rate multiplied by the Annual Increase Amount at the beginning of the Contract Year, and if these withdrawals are paid to You, the total withdrawal adjustments for that Contract Year will be set equal to the dollar amount of total withdrawals (including any applicable Withdrawal Charge) in that Contract Year. These withdrawal adjustments will replace the withdrawal adjustments defined in (a) immediately above and be treated as though the corresponding withdrawals occurred at the end of that Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As described in (a) above, if in any Contract Year You take cumulative withdrawals that exceed the Annual Increase Rate multiplied by the Annual Increase Amount at the beginning of the Contract Year, the Annual Increase Amount will be reduced in the same proportion that the entire withdrawal (including any applicable Withdrawal Charge) reduced the Account Balance. This reduction may be significant, particularly when the Account Balance is lower than the Annual Increase Amount, and could have the effect of reducing or eliminating the value of income payments under the GMIB optional benefit. Limiting your cumulative withdrawals during a Contract Year to not more than the Annual Increase Rate multiplied by the Annual Increase Amount at the beginning of the Contract Year, will result in dollar-for-dollar treatment of the withdrawals as described in (b) immediately above.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Partial annuitizations are not permitted. No change in Contract Owner of the Contract or participant is permitted.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In determining GMIB income payments, an amount equal to the Withdrawal Charge that would apply upon a complete withdrawal and the amount of any premium taxes and other taxes that may apply will be deducted from the income base. For purposes of calculating the income base, purchase payment credits (i.e., bonus payments) are not included.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Exercising the GMIB.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The only income types available with the purchase of this benefit are a Lifetime Income Annuity with a 10-Year Guarantee Period or a Lifetime Income Annuity for Two with a 10-Year Guarantee Period. If You decide to receive income payments under a Lifetime Income Annuity with a 10-Year Guarantee Period after age 79, the 10-Year guarantee is reduced as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:33pt;width:420pt;"> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:210pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;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;">Age at Pay-Out</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:210pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Guarantee</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">80</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9 years</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">81</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8 years</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">82</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7 years</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">83</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6 years</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">84 and 85</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5 years</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Lifetime Income Annuity for Two is available if the ages of the joint Annuitants are 10 years apart or less (or as permissible under our then current underwriting requirements, if more favorable).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Effect of Outstanding Loans on the GMIB. You may not exercise this benefit if You have an outstanding loan balance. You may exercise this benefit if You repay your outstanding loan balance. If You desire to exercise this benefit and have an outstanding loan balance and repay the loan by making a partial withdrawal, your income base will be reduced to adjust for the repayment of the loan, according to the formula described above.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Terminating the GMIB.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This benefit will terminate upon the earliest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The 30th day following the Contract Anniversary on or following your 85th birthday;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date You make a total withdrawal of your Account Balance (a pro-rata portion of the annual benefit charge for the GMIB will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You elect to receive income payments under the Contract and You do not elect to receive income payments under the GMIB (a pro-rata portion of the annual benefit charge for the GMIB will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">4.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the day there are insufficient amounts to deduct the charge for the GMIB from your Account Balance; or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">5.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You die.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For more information on when we may or may not terminate your Contract, see “When We Can Cancel Your Deferred Annuity”.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The GMIB was available in Deferred Annuities for an additional charge of 0.70% (except for the states of Texas and Virginia for TSA ERISA, 403(a) and 457(b) Deferred Annuities and except for the state of Pennsylvania for TSA, SEP and SIMPLE IRA Deferred Annuities, where the charge is 0.35%) of the income base, deducted at the end of each Contract Year on the Contract Anniversary, by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance, net of any outstanding loans. We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance. If You make a total withdrawal of your Account Balance or elect to receive income payments under your Contract, a pro-rata portion of the annual optional benefit charge will be assessed based on the number of months from the last Contract Anniversary to the date of the withdrawal or the beginning of income payments. Prior to May 1, 2009, the charge for the optional GMIB is 0.35% of the income base. (For employer groups with TSA ERISA, 457(b) and 403(a) Deferred Annuities that were established on or before May 1, 2009 which elected at issue to make available the GMIB under their group Contract, participants who submit an application after May 1, 2009, will receive the lower charge of 0.35%.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Graphic.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The purpose of the following graphic is to illustrate the operation of the GMIB. The investment results shown are hypothetical and are not representative of past or future performance. Actual investment results may be more or less than those shown and will depend upon a number of factors, including investment allocations and the investment experience of the Divisions chosen. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The graphic does not reflect the deduction of fees and charges, Withdrawal Charges or income taxes or penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The 6% Annual Increase Amount of the Income Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining a value upon which future income payments will be based</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Prior to annuitization, your Account Balance fluctuates above and below your initial purchase payment depending on the investment performance of the Divisions You selected. Your purchase payments accumulate at the annual increase rate of 6%, through the Contract Anniversary immediately preceding your 81st birthday. Your purchase payments are also adjusted for any withdrawals (including any applicable Withdrawal Charge) made during this period. The line (your purchase payments accumulated at 6% a year adjusted for withdrawals and charges (“the 6% Annual Increase Amount of the Income Base”)) is the value upon which future income payments can be based.</span> <div> </div> <img alt=" " src="g21724ffs1.jpg" style="height:152pt;margin-left:13.48%;width:355pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining your guaranteed lifetime income stream</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Assume that You decide to annuitize your Contract and begin taking annuity payments after 30 years. In this example, your 6% Annual Increase Amount of the Income Base is higher than the Highest Anniversary Value and will produce a higher income benefit. Accordingly, the 6% Annual Increase Amount of the Income Base will be applied to the annuity pay-out rates in the GMIB Annuity Table to determine your lifetime annuity payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The income base is not available for cash withdrawals and is only used for purposes of </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;margin-left:20pt;">calculating the GMIB payment and the charge for the benefit.</span> <div> </div> <img alt=" " src="g21724ffs2.jpg" style="height:117pt;margin-left:15.23%;width:338pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The “Highest Anniversary Value” (“HAV”)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining a value upon which future income payments will be based</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Prior to annuitization, the Highest Anniversary Value at each Contract Anniversary begins to lock in growth. The Highest Anniversary Value is adjusted upward each Contract Anniversary if the Account Balance at that time is greater than the amount of the current Highest Anniversary Value. Upward adjustments will continue until the Contract Anniversary immediately prior to the Contract Owner’s 81st birthday. The Highest Anniversary Value also is adjusted for any withdrawals taken (including any applicable Withdrawal Charge) or any additional payments made. The Highest Anniversary Value line is the value upon which future income payments can be based.</span> <div> </div> <img alt=" " src="g21724ffs3.jpg" style="height:200pt;margin-left:13.58%;width:354pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining your guaranteed lifetime income stream</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Assume that You decide to annuitize your Contract and begin taking annuity payments after 20 years. In this example, the Highest Anniversary Value is higher than the Account Balance. Accordingly, the Highest Anniversary Value will be applied to the annuity pay-out rates in the GMIB Annuity Table to determine your lifetime annuity payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The income base is not available for cash withdrawals and is only used for </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;margin-left:20pt;">purposes of calculating the GMIB payment and the charge for the benefit.</span> <div> </div> <img alt=" " src="g21724ffs4.jpg" style="height:147pt;margin-left:15.23%;width:338pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">Putting It All Together</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Prior to annuitization, the income base (the 6% Annual Increase Amount of the Income Base and the Highest Anniversary Value) work together to protect your future income. Upon annuitization of the Contract, You will </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">receive income payments for life and the guaranteed minimum income base and the Account Balance will cease to exist. Also, the GMIB may only be exercised no later than the Contract Anniversary on or following the Contract Owner’s 85th birthday, after a 10-year waiting period, and then only within a 30-day period following the Contract Anniversary.</span> <div> </div> <img alt=" " src="g21724ffs5.jpg" style="height:155pt;margin-left:13.48%;width:355pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">With the GMIB, the income base is applied to special, conservative GMIB annuity purchase factors, which are guaranteed at the time the Contract is issued. However, if then-current annuity purchase factors applied to the Account Balance would produce a greater amount of income, then You will receive the greater amount. In other words, when you annuitize your Contract You will receive whatever amount produces the greatest income payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Therefore, if your Account Balance would provide greater income than would the </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:20pt;">amount provided under the GMIB, You will have paid for the GMIB although it was never used.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Living Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">GMIB — (may also be known as the “Predictor” in our sales literature and advertising)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As of the close of the Exchange on September, 17, 2018, the GMIB is not available for sale to any new employer sponsored retirement plan or to any new participants under an existing employer sponsored retirement plan.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We offered the GMIB that, for an additional charge, offers protection against market risk (the risk that your investments may decline in value or underperform your expectations). Our guaranteed income benefit, called GMIB, is designed to allow You to invest your Account Balance in the market while at the same time assuring a </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">specified guaranteed level of minimum fixed income payments if You elect to receive income payments (“annuitize”). The fixed annuity payment amount is guaranteed regardless of investment performance or the actual Account Balance at the time You elect income payments. Prior to exercising this optional benefit and annuitizing your Contract, You may make withdrawals up to a maximum level and still maintain the optional benefit amount. This optional benefit must be elected at Contract issue.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This optional benefit is designed to guarantee a predictable, minimum level of fixed income payments, regardless of investment performance of your Account Balance during the pay-in phase. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">However, if applying your actual Account Balance at the time You annuitize the Contract to then current annuity purchase rates (outside of the optional benefit) produces higher income payments, You will receive the higher payments, and thus You will have paid for the optional benefit even though it was not used.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Also, prior to exercising the optional benefit, You may make specified withdrawals that reduce your income base (as explained below) during the pay-in phase and still leave the optional benefit guarantees intact, provided the conditions of the optional benefit are met. Your registered representative can provide You an illustration of the amounts You would receive, with or without withdrawals, if You exercised the optional benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The GMIB was available in all states except New York. In the states of Montana, Utah and West Virginia, the GMIB was only available for elective TSA (non-ERISA) and SEP/SIMPLE Deferred Annuities. In Oregon, the GMIB was only available for TSA ERISA, 403(a) and 457(b) Deferred Annuities.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Once elected, the optional benefit cannot be terminated except as discussed below.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">GMIB and Qualified Contracts</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The GMIB may have limited usefulness in connection with a qualified Contract, such as TSA, TSA ERISA, IRA, 403(a), 401(a), 401(k) or 457(b), in circumstances where, due to the 10-year waiting period after purchase, the Contract Owner is unable to exercise the benefit until after the required beginning date of required minimum distributions under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> In such event, required minimum distributions received from the Contract during the 10-year waiting period will have the effect of reducing the income base either on a proportionate or dollar for dollar basis, as the case may be. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">This may have the effect of reducing or eliminating the value of annuity payments under the GMIB. You should consult your tax adviser prior to electing a GMIB.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You take a full withdrawal of your Account Balance, your Contract is terminated by us due to its small Account Balance and inactivity (see “When We Can Cancel your Deferred Annuity”), your Contract lapses for any reason, or in those instances where your employer has the ability to do so your employer terminates the Contract, and there remains any income base, You forfeit your income base and any further rights to the GMIB.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Facts About the Guaranteed Minimum Income Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Income Base and GMIB Income Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We calculate an “income base” (as described below) that determines, in part, the minimum amount You receive as an income payment upon exercising the GMIB and annuitizing the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">It is important to recognize that this income base is not available for cash withdrawals and does not establish or guarantee your Account Balance or a minimum return for any Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After a minimum 10-year waiting period, and not more than 30 days after the Contract Anniversary following your 85th birthday, You may exercise the benefit. We then will apply the income base calculated at the time of exercise to the GMIB Annuity Table (as described below) specified in the rider in order to determine your minimum guaranteed lifetime fixed monthly income payments. (Your actual payment may be higher than this minimum if, as discussed above, the base Contract under its terms would provide a higher payment.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your employer, association or other group Contract holder has instituted loans for its plan or arrangement, You have taken a loan and You have also purchased the GMIB, we will not treat amounts withdrawn from your Account Balance on account of a loan as a withdrawal from the Contract for purposes of determining the income base. In addition, we will not treat the repayment of loan amounts as a purchase payment to the Contract for the purposes of determining the income base.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The GMIB Annuity Table. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The GMIB Annuity Table is specified in the rider. This table is calculated based on the Annuity 2000 Mortality Table with a 7-year age set back with interest of 2.5% per year. As with other pay-out types, the amount You receive as an income payment also depends on the income type You select, your age, and your sex (where permitted by state law). </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The annuity rates in the GMIB Annuity Table are conservative and a Withdrawal Charge may be applicable, so the amount of guaranteed minimum lifetime income that the GMIB produces may be less than the amount of annuity income that would be provided by applying your Account Balance on your annuity date to then-current annuity purchase rates.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You exercise the GMIB, your income payments will be the greater of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the income payment determined by applying the amount of the income base to the GMIB Annuity Table, or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the income payment determined for the same income type in accordance with the base Contract. (See “Pay-Out Options (or Income Options).”)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You choose not to receive income payments as guaranteed under the GMIB, You may elect any of the income options available under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">If the amount of the guaranteed minimum lifetime income that the GMIB produces is less than the amount of annuity income that would be provided by applying your Account Balance on the Annuity Date to the then-current annuity purchase rates, then You would have paid for an optional benefit You did not use.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Description of the GMIB</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In states where approved, the GMIB was available only up to, but not including, age 76 and You could have only elected the GMIB at the time You purchased the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The GMIB may be exercised after a 10-year waiting period and then only within 30 days following a Contract Anniversary, provided that the exercise must occur no later than the 30-day period following the Contract Anniversary following your 85th birthday.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Income Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The income base is equal to the greater of (a) or (b) below:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">(a)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Highest Anniversary Value: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the issue date, the “Highest Anniversary Value” is equal to your initial purchase payment. Thereafter, the Highest Anniversary Value will be increased by subsequent purchase payments and reduced proportionately by the percentage reduction in Account Balance attributable to each subsequent withdrawal (including any applicable Withdrawal Charge). On each Contract Anniversary prior to your 81st birthday, the Highest Anniversary Value will be recalculated and set equal to the greater of the Highest Anniversary Value before the recalculation or the Account Balance on the date of the recalculation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Highest Anniversary Value does not change after the Contract Anniversary immediately preceding your 81st birthday, except that it is increased for each subsequent purchase payment and reduced proportionally by the percentage reduction in Account Balance attributable to each subsequent withdrawal (including any applicable Withdrawal Charge).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">(b)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Increase Amount: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the date we issue your Contract, the “Annual Increase Amount” is equal to your initial purchase payment. Thereafter, the Annual Increase Amount is equal to (i) less (ii), where:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(i)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">is purchase payments accumulated at the Annual Increase Rate of 6% (as defined below); and</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(ii)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">is withdrawal adjustments (as defined below) accumulated at the Annual Increase Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Highest Anniversary Value and Annual Increase Amount are calculated independently of each other. When the Highest Anniversary Value is recalculated and set equal to the Account Balance, the Annual Increase Amount is not set equal to the Account Balance.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Increase Rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> As noted above we calculate an income base under the GMIB that helps determine the minimum amount You receive as an income payment upon exercising the benefit. One of the factors used in calculating the income base is called the “annual increase rate.” Through the Contract Anniversary immediately prior to your 81st birthday, the Annual Increase Rate is 6%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the first Contract Anniversary, “at the beginning of the Contract Year” means on the issue date; on a later Contract Anniversary, “at the beginning of the Contract Year” means on the prior Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">During the 30-day period following the Contract Anniversary immediately prior to your 81st birthday, the annual increase rate is 0%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Withdrawal Adjustments.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Withdrawal adjustments in a Contract Year are determined according to (a) or (b):</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(a)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The withdrawal adjustment for each withdrawal in a Contract Year is the value of the Annual Increase Amount immediately prior to the withdrawal multiplied by the percentage reduction in Account Balance attributable to the withdrawal (including any applicable Withdrawal Charge); or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(b)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If total withdrawals in a Contract Year are not greater than the Annual Increase Rate multiplied by the Annual Increase Amount at the beginning of the Contract Year, and if these withdrawals are paid to You, the total withdrawal adjustments for that Contract Year will be set equal to the dollar amount of total withdrawals (including any applicable Withdrawal Charge) in that Contract Year. These withdrawal adjustments will replace the withdrawal adjustments defined in (a) immediately above and be treated as though the corresponding withdrawals occurred at the end of that Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As described in (a) above, if in any Contract Year You take cumulative withdrawals that exceed the Annual Increase Rate multiplied by the Annual Increase Amount at the beginning of the Contract Year, the Annual Increase Amount will be reduced in the same proportion that the entire withdrawal (including any applicable Withdrawal Charge) reduced the Account Balance. This reduction may be significant, particularly when the Account Balance is lower than the Annual Increase Amount, and could have the effect of reducing or eliminating the value of income payments under the GMIB optional benefit. Limiting your cumulative withdrawals during a Contract Year to not more than the Annual Increase Rate multiplied by the Annual Increase Amount at the beginning of the Contract Year, will result in dollar-for-dollar treatment of the withdrawals as described in (b) immediately above.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Partial annuitizations are not permitted. No change in Contract Owner of the Contract or participant is permitted.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In determining GMIB income payments, an amount equal to the Withdrawal Charge that would apply upon a complete withdrawal and the amount of any premium taxes and other taxes that may apply will be deducted from the income base. For purposes of calculating the income base, purchase payment credits (i.e., bonus payments) are not included.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Exercising the GMIB.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The only income types available with the purchase of this benefit are a Lifetime Income Annuity with a 10-Year Guarantee Period or a Lifetime Income Annuity for Two with a 10-Year Guarantee Period. If You decide to receive income payments under a Lifetime Income Annuity with a 10-Year Guarantee Period after age 79, the 10-Year guarantee is reduced as follows:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:33pt;width:420pt;"> <tr style="height:17pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:210pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;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;">Age at Pay-Out</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:210pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Guarantee</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">80</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9 years</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">81</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8 years</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">82</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7 years</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:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">83</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6 years</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:29.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">84 and 85</span></div></div></td> <td style="padding-bottom:2.5pt;padding-top:2.375pt;vertical-align:Top;width:210pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:29.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5 years</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Lifetime Income Annuity for Two is available if the ages of the joint Annuitants are 10 years apart or less (or as permissible under our then current underwriting requirements, if more favorable).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Effect of Outstanding Loans on the GMIB. You may not exercise this benefit if You have an outstanding loan balance. You may exercise this benefit if You repay your outstanding loan balance. If You desire to exercise this benefit and have an outstanding loan balance and repay the loan by making a partial withdrawal, your income base will be reduced to adjust for the repayment of the loan, according to the formula described above.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Terminating the GMIB.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This benefit will terminate upon the earliest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The 30th day following the Contract Anniversary on or following your 85th birthday;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date You make a total withdrawal of your Account Balance (a pro-rata portion of the annual benefit charge for the GMIB will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You elect to receive income payments under the Contract and You do not elect to receive income payments under the GMIB (a pro-rata portion of the annual benefit charge for the GMIB will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">4.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">On the day there are insufficient amounts to deduct the charge for the GMIB from your Account Balance; or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">5.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You die.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For more information on when we may or may not terminate your Contract, see “When We Can Cancel Your Deferred Annuity”.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The GMIB was available in Deferred Annuities for an additional charge of 0.70% (except for the states of Texas and Virginia for TSA ERISA, 403(a) and 457(b) Deferred Annuities and except for the state of Pennsylvania for TSA, SEP and SIMPLE IRA Deferred Annuities, where the charge is 0.35%) of the income base, deducted at the end of each Contract Year on the Contract Anniversary, by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance, net of any outstanding loans. We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance. If You make a total withdrawal of your Account Balance or elect to receive income payments under your Contract, a pro-rata portion of the annual optional benefit charge will be assessed based on the number of months from the last Contract Anniversary to the date of the withdrawal or the beginning of income payments. Prior to May 1, 2009, the charge for the optional GMIB is 0.35% of the income base. (For employer groups with TSA ERISA, 457(b) and 403(a) Deferred Annuities that were established on or before May 1, 2009 which elected at issue to make available the GMIB under their group Contract, participants who submit an application after May 1, 2009, will receive the lower charge of 0.35%.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Graphic.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The purpose of the following graphic is to illustrate the operation of the GMIB. The investment results shown are hypothetical and are not representative of past or future performance. Actual investment results may be more or less than those shown and will depend upon a number of factors, including investment allocations and the investment experience of the Divisions chosen. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The graphic does not reflect the deduction of fees and charges, Withdrawal Charges or income taxes or penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The 6% Annual Increase Amount of the Income Base</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining a value upon which future income payments will be based</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Prior to annuitization, your Account Balance fluctuates above and below your initial purchase payment depending on the investment performance of the Divisions You selected. Your purchase payments accumulate at the annual increase rate of 6%, through the Contract Anniversary immediately preceding your 81st birthday. Your purchase payments are also adjusted for any withdrawals (including any applicable Withdrawal Charge) made during this period. The line (your purchase payments accumulated at 6% a year adjusted for withdrawals and charges (“the 6% Annual Increase Amount of the Income Base”)) is the value upon which future income payments can be based.</span> <div> </div> <img alt=" " src="g21724ffs1.jpg" style="height:152pt;margin-left:13.48%;width:355pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining your guaranteed lifetime income stream</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Assume that You decide to annuitize your Contract and begin taking annuity payments after 30 years. In this example, your 6% Annual Increase Amount of the Income Base is higher than the Highest Anniversary Value and will produce a higher income benefit. Accordingly, the 6% Annual Increase Amount of the Income Base will be applied to the annuity pay-out rates in the GMIB Annuity Table to determine your lifetime annuity payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The income base is not available for cash withdrawals and is only used for purposes of </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;margin-left:20pt;">calculating the GMIB payment and the charge for the benefit.</span> <div> </div> <img alt=" " src="g21724ffs2.jpg" style="height:117pt;margin-left:15.23%;width:338pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The “Highest Anniversary Value” (“HAV”)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining a value upon which future income payments will be based</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Prior to annuitization, the Highest Anniversary Value at each Contract Anniversary begins to lock in growth. The Highest Anniversary Value is adjusted upward each Contract Anniversary if the Account Balance at that time is greater than the amount of the current Highest Anniversary Value. Upward adjustments will continue until the Contract Anniversary immediately prior to the Contract Owner’s 81st birthday. The Highest Anniversary Value also is adjusted for any withdrawals taken (including any applicable Withdrawal Charge) or any additional payments made. The Highest Anniversary Value line is the value upon which future income payments can be based.</span> <div> </div> <img alt=" " src="g21724ffs3.jpg" style="height:200pt;margin-left:13.58%;width:354pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">Determining your guaranteed lifetime income stream</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">Assume that You decide to annuitize your Contract and begin taking annuity payments after 20 years. In this example, the Highest Anniversary Value is higher than the Account Balance. Accordingly, the Highest Anniversary Value will be applied to the annuity pay-out rates in the GMIB Annuity Table to determine your lifetime annuity payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">The income base is not available for cash withdrawals and is only used for </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;margin-left:20pt;">purposes of calculating the GMIB payment and the charge for the benefit.</span> <div> </div> <img alt=" " src="g21724ffs4.jpg" style="height:147pt;margin-left:15.23%;width:338pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">Putting It All Together</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Prior to annuitization, the income base (the 6% Annual Increase Amount of the Income Base and the Highest Anniversary Value) work together to protect your future income. Upon annuitization of the Contract, You will </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">receive income payments for life and the guaranteed minimum income base and the Account Balance will cease to exist. Also, the GMIB may only be exercised no later than the Contract Anniversary on or following the Contract Owner’s 85th birthday, after a 10-year waiting period, and then only within a 30-day period following the Contract Anniversary.</span> <div> </div> <img alt=" " src="g21724ffs5.jpg" style="height:155pt;margin-left:13.48%;width:355pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;margin-left:0%;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:20pt;">With the GMIB, the income base is applied to special, conservative GMIB annuity purchase factors, which are guaranteed at the time the Contract is issued. However, if then-current annuity purchase factors applied to the Account Balance would produce a greater amount of income, then You will receive the greater amount. In other words, when you annuitize your Contract You will receive whatever amount produces the greatest income payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Therefore, if your Account Balance would provide greater income than would the </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:20pt;">amount provided under the GMIB, You will have paid for the GMIB although it was never used.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(This calculation ignores the impact of Highest Anniversary Value which could further increase the guaranteed minimum income base.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Age 55 at issue</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Purchase Payment = $100,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">No additional purchase payments or partial withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Guaranteed minimum income base at age 65 = $100,000 × 1.06</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> = $179,085 where 10 equals the number of years the purchase payment accumulates for purposes of calculating this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Guaranteed minimum income floor = guaranteed minimum income base applied to the GMIB annuity table.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">GMIB annuity factor, unisex, age 65 = $4.21 per month per $1,000 applied for lifetime income with 10 years guaranteed.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:166.25pt;width:153.49pt;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:38.52pt;"> <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:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">$179, 085 </span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">×</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:25.98pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$4.21</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:64.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$754 per month.</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:38.52pt;"> <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:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1, 000</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:25.98pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:64.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:33pt;width:420pt;"> <tr style="height:46pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Issue Age</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Age at Pay-Out</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Floor</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">55</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">65</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$ 754</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">70</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$ 1,131</span></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">75</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$ 1,725</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The above chart ignores the impact of premium taxes and other taxes.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Example:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">(This calculation ignores the impact of Highest Anniversary Value which could further increase the guaranteed minimum income base.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Age 55 at issue</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Purchase Payment = $100,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">No additional purchase payments or partial withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Guaranteed minimum income base at age 65 = $100,000 × 1.06</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">10</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> = $179,085 where 10 equals the number of years the purchase payment accumulates for purposes of calculating this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Guaranteed minimum income floor = guaranteed minimum income base applied to the GMIB annuity table.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">GMIB annuity factor, unisex, age 65 = $4.21 per month per $1,000 applied for lifetime income with 10 years guaranteed.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:166.25pt;width:153.49pt;"> <tr style="height:14.5pt;"> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:38.52pt;"> <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:Times New Roman;font-size:10pt;margin-left:0.0pt;text-decoration:underline;">$179, 085 </span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">×</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:25.98pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$4.21</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">=</span></div></div></td> <td style="padding-bottom:4.5pt;padding-top:4.5pt;vertical-align:Bottom;width:64.99pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$754 per month.</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:38.52pt;"> <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:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1, 000</span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:25.98pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:12pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:2pt;padding-top:4.5pt;vertical-align:Bottom;width:64.99pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:33pt;width:420pt;"> <tr style="height:46pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Issue Age</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Age at Pay-Out</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Guaranteed</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Income</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Floor</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">55</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">65</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$ 754</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">70</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$ 1,131</span></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Bottom;width:139pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">75</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Bottom;width:140.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$ 1,725</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The above chart ignores the impact of premium taxes and other taxes.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Withdrawal Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">LWG</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As of the close of the Exchange on September, 17, 2018, the LWG is not available for sale to any new employer sponsored retirement plan or to any new participants under an existing employer sponsored retirement plan.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In states where approved, we offered the LWG for elective TSA (non-ERISA), SEP and SIMPLE IRA Deferred Annuities. If You elected the LWG, Roth purchase payments may be permitted. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The LWG does not establish or guarantee an Account Balance or minimum return for any Division. The Remaining Guaranteed Withdrawal Amount and Total Guaranteed Withdrawal Amount are not available for withdrawal as a lump sum.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Withdrawals are subject to applicable Contract Withdrawal Charges unless You take the necessary steps to elect to take your Annual Benefit Payment under a Systematic Withdrawal Program.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Ordinary income taxes apply to withdrawals under this benefit and an additional 10% penalty tax may apply if You are under age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Consult your own tax adviser to determine if an exception to the 10% penalty tax applies. You may not have this benefit and the GMIB in effect at the same time. You should carefully consider if the LWG is best for You. Here are some of the key features of the LWG.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Guaranteed Payments for Life. So long as You make your first withdrawal on or after the date You reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, the LWG guarantees that we will make payments to You over your lifetime, even if your Remaining Guaranteed Withdrawal Amount and/or Account Balance decline to zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Automatic Annual Step-Ups. The LWG provides automatic step-ups on each Contract Anniversary prior to the Contract Owner’s 86th birthday (and offers the Contract Owner the ability to opt out of the step-ups if the charge for this optional benefit should increase). Each of the Automatic Step-Ups will occur only prior to the Contract Owner’s 86th birthday.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Withdrawal Rates. The LWG uses a 5% withdrawal rate to determine the Annual Benefit Payment.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cancellation. The LWG provides the ability to cancel the rider every five Contract Years for the first fifteen Contract Years and annually thereafter within 30 days following the eligible Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Allocation Restrictions. If You elect the LWG, You are limited to allocating your purchase payments and Account Balance among the Fixed Interest Account, and certain Divisions (as described in “Appendix A —  Investment Options Available Under the Contract — Investment Allocation Restrictions for Certain Optional Benefits”).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Tax Treatment. The tax treatment of withdrawals under the LWG is uncertain. It is conceivable that the amount of potential gain could be determined based on the Remaining Guaranteed Withdrawal Amount at the time of the withdrawal, if the Remaining Guaranteed Withdrawal Amount is greater than the Account Balance (prior to Withdrawal Charges, if applicable). This could result in a greater amount of taxable income reported under a withdrawal and conceivably a limited ability to recover any remaining basis if there is a loss on surrender of the Contract. Consult your tax adviser prior to purchase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Rider Charges. We will continue to assess the LWG rider charge even in the case where your remaining Guaranteed Withdrawal Amount, as described below, equals zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Qualified Plans. If your plan determines to terminate the Contract at a time when You have elected LWG, You forfeit any income base and any other rights to the LWG You have accrued under the LWG upon termination of the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In considering whether to have purchased the LWG, You must have considered your desire for protection and the cost of the benefit with the possibility that had You not purchased the benefit, your Account Balance may be higher. In considering the benefit of the lifetime withdrawals, You should consider the impact of inflation. Even relatively low levels of inflation may have significant effect on purchasing power. The Automatic Annual Step-Up, as described below, may provide protection against inflation, if and when there are strong investment returns. As with any guaranteed withdrawal benefit, the LWG, however, does not assure that You will receive strong, let alone any, return on your investments. The LWG must be elected at Contract issue; You must be age 80 or younger at the time of purchase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Total Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The Total Guaranteed Withdrawal Amount may be referred to as the “income base” in marketing or other materials. The Total Guaranteed Withdrawal Amount is the minimum amount that You are guaranteed to receive over time while the LWG is in effect. We assess the LWG charge as a percentage of the Total Guaranteed Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to your initial purchase payment, without taking into account any purchase payment credits (i.e., credit or bonus payments). The Total Guaranteed Withdrawal Amount is increased by each additional purchase payment (up to a maximum benefit amount of $5,000,000). If, however, a withdrawal results in cumulative withdrawals for the current Contract Year that exceed the Annual Benefit Payment, the Total Guaranteed Withdrawal Amount will be reduced by an amount equal to the difference between the Total Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal (if such Account Balance is lower than the Total Guaranteed Withdrawal Amount). </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">This reduction may be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cumulative withdrawals in a given Contract Year will not decrease the Total Guaranteed Withdrawal Amount if such withdrawals do not exceed the Annual Benefit Payment in that Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Remaining Guaranteed Withdrawal Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The remaining Guaranteed Withdrawal Amount is the remaining amount guaranteed to be received over time. The initial remaining Guaranteed Withdrawal Amount is equal to the initial Total Guaranteed Withdrawal Amount. We increase the remaining Guaranteed Withdrawal Amount (up to a maximum amount of $5,000,000) by each additional purchase payment without taking into account any purchase payment credits (i.e., credit or bonus payments). The remaining Guaranteed Withdrawal Amount is also increased by the 5% Compounding Income Amount, as described below. All withdrawals (including applicable Withdrawal Charges) reduce the remaining Guaranteed Withdrawal Amount, not just withdrawals that exceed the Annual </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Benefit Payment (as with the Total Guaranteed Withdrawal Amount). If the withdrawal exceeds the Annual Benefit Payment, then we will additionally reduce the remaining Guaranteed Withdrawal Amount to equal the difference between the remaining Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal (if lower). </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">This reduction may be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The remaining Guaranteed Withdrawal Amount is also used to calculate an alternate death benefit available under the LWG. (See “Additional Information” below.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">5% Compounding Income Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> On each Contract Anniversary until the earlier of: (a) the date of the first withdrawal from the Contract or (b) the 10th Contract Anniversary, the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount are increased by an amount equal to 5% multiplied by the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount before such increase (up to a maximum benefit amount of $5,000,000). We take the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount as of the last day of the Contract Year to determine the amount subject to the increase. The Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount may also be increased by the Automatic Annual Step-Up, if that would result in a higher Total Guaranteed Withdrawal Amount and remaining Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Automatic Annual Step-Up.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> On each Contract Anniversary prior to the Contract Owner’s 86th birthday, an Automatic Annual Step-Up will occur, provided that the Account Balance exceeds the Total Guaranteed Withdrawal Amount immediately before the Step-Up (and provided that You have not chosen to decline the Step-Up as described below).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Automatic Annual Step-Up will:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">reset the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount to the Account Balance on the date of the Step-Up, up to a maximum of $5,000,000, regardless of whether or not You have taken any withdrawals;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">reset the Annual Benefit Payment equal to 5% of the Total Guaranteed Withdrawal Amount after the Step-Up; and</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">reset the LWG charge to the then current charge, up to a maximum of 0.95% for the same optional benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In the event that the charge applicable to Contract purchases at the time of the Step-Up is higher than your current LWG charge, and we elect to increase the benefit charge in connection with the Step-Up we will notify You in writing a minimum of 30 days in advance of the applicable Contract Anniversary and inform You that You may choose to decline the Automatic Annual Step-Up. If You choose to decline the Automatic Annual Step-Up, You must notify us in accordance with our administrative procedures (currently we require You to submit your request in writing at our Administrative Office no less than seven calendar days prior to the applicable Contract Anniversary).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Once You notify us of your decision to decline the Automatic Annual Step-Up, You will no longer be eligible for future Automatic Annual Step-Ups unless You notify us in writing at our Administrative Office that You wish to reinstate the Step-Up. This reinstatement will take effect at the next Contract Anniversary after we receive your request for reinstatement. Please note that the Automatic Annual Step-Up may be of limited benefit if You intend to make purchase payments that would cause your Account Balance to approach $5,000,000 because the Total Guaranteed Withdrawal Amount and remaining Guaranteed Withdrawal Amount cannot exceed $5,000,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Benefit Payment.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The initial Annual Benefit Payment is equal to the initial Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal rate. The Annual Benefit Payment may be referred to as “annual income amount” in marketing or other materials. If the Total Guaranteed Withdrawal Amount is later recalculated (for example, because of additional purchase payments, the 5% compounding amount, the Automatic Annual Step-Up, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">or withdrawals greater than the Annual Benefit Payment), the Annual Benefit Payment is reset equal to the new Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Important to Note.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You take your first withdrawal before the date You reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, we will continue to pay the Annual Benefit Payment each year until the remaining Guaranteed Withdrawal Amount is depleted, even if your Account Balance declines to zero. This means if your Account Balance is depleted due to withdrawals not greater than the Annual Benefit Payment or the deduction of the benefit charge, and your remaining Guaranteed Withdrawal Amount is greater than zero, we will pay You the remaining Annual Benefit Payment, if any, not yet withdrawn during the Contract Year that the Account Balance was depleted, and beginning in the following Contract Year, we will continue paying the Annual Benefit Payment to You each year until your remaining Guaranteed Withdrawal Amount is depleted. This guarantees that You will receive your purchase payments even if your Account Balance declines to zero due to market performance so long as You do not take withdrawals greater than the Annual Benefit Payment; however, You will not be guaranteed income for the rest of your life.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You take your first withdrawal on or after the date You reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, we will continue to pay the Annual Benefit Payment each year for the rest of your life, even if your remaining Guaranteed Withdrawal Amount and/ or Account Balance declines to zero. This means if your remaining Guaranteed Withdrawal Amount and/or your Account Balance is depleted due to withdrawals not greater than the Annual Benefit Payment or the deduction of the benefit charge, we will pay to You the remaining Annual Benefit Payment, if any, not yet withdrawn during that Contract Year that the Account Balance was depleted, and beginning in the following Contract Year, we will continue paying the Annual Benefit Payment to You each year for the rest of your life. Therefore, You will be guaranteed income for life.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">You should carefully consider when to begin taking withdrawals if You have elected the LWG Benefit. If You begin withdrawals too soon, your Total Guaranteed Withdrawal Amount and Remaining Guaranteed Withdrawal Amount are no longer increased by the 5% annual compounding increase. On the other hand, if You delay taking withdrawals for too long, You may limit the number of years available for You to take withdrawals in the future (due to life expectancy), and You may be paying for a benefit You are not using.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You have the option of receiving withdrawals under the LWG or receiving payments under a Pay-Out Option. You should consult with your registered representative when deciding how to receive income under this Contract. In making this decision, You should consider many factors, including the relative amount of current income provided by the two options, the potential ability to receive higher future payments through potential increases to the value of the LWG, your potential need to make additional withdrawals in the future, and the relative values to You of the death benefits available prior to and after annuitization.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At any time during the pay-in phase, You can elect to annuitize under current annuity rates in lieu of continuing the LWG. This may provide higher income amounts and/or different tax treatment than the payments received under the LWG.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Effect of Outstanding Loans on the Total Guaranteed Withdrawal Amount and Remaining Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If there is an outstanding loan balance (including loans in default which we cannot offset or collect due to tax restrictions), any additional withdrawals will be treated as withdrawals in excess of the Annual Benefit Payment. In that event, the Total Guaranteed Withdrawal Amount will be reduced. The reduction will be equal to the difference between the Total Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal. If the Account Balance after the withdrawal and minus any loan in default is higher than the Total Guaranteed Withdrawal Amount, no reduction will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In the event an outstanding loan balance is in default and we can withdraw the defaulted amount from your Account Balance, if the amount of the default does not exceed the Annual Benefit Payment, then the Total Guaranteed Withdrawal Amount will not be decreased. If the amount of the default exceeds the Annual Benefit Payment, the Total Guaranteed Withdrawal Amount will be reduced. The reduction will be equal to the difference between the Total Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal. If the Account Balance after the withdrawal and minus any loan in default is higher than the Total Guaranteed Withdrawal Amount, no reduction will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Also, an additional reduction will be made to the Remaining Guaranteed Withdrawal Amount. This additional reduction will be equal to the difference between the Remaining Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal. If the Account Balance after the withdrawal and minus any loan in default is higher than the Remaining Guaranteed Withdrawal Amount, no reduction will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Managing Your Withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> It is important that You carefully manage your annual withdrawals. To ensure that You retain the full guarantees of this benefit, your annual withdrawals cannot exceed the Annual Benefit Payment each Contract Year. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">If a Withdrawal Charge does apply, the charge is not included in the amount withdrawn for the purpose of calculating whether annual withdrawals during a Contract Year exceed the Annual Benefit Payment. If a withdrawal from your Contract does result in annual withdrawals during a Contract Year exceeding the Annual Benefit Payment, the Total Guaranteed Withdrawal Amount will be recalculated and the Annual Benefit Payment will be reduced to the new Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal rate. In addition, as noted above, if a withdrawal results in cumulative withdrawals for the current Contract Year exceeding the Annual Benefit Payment, the Remaining Guaranteed Withdrawal Amount will also be reduced by an additional amount equal to the difference between the Remaining Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal (if such Account Balance is lower than the Remaining Guaranteed Withdrawal Amount). These reductions in the Total Guaranteed Withdrawal Amount, Annual Benefit Payment, and Remaining Guaranteed Withdrawal Amount may be significant. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You are still eligible to receive either lifetime payments or the remainder of the Remaining Guaranteed Withdrawal Amount so long as the withdrawal that exceeded the Annual Benefit Payment did not cause your Account Balance to decline to zero. A withdrawal that results in cumulative withdrawals in the current Contract Year exceeding the Annual Benefit Payment that reduces the Account Balance to zero will terminate the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You can always take annual withdrawals less than the Annual Benefit Payment. However, if You choose to receive only a part of your Annual Benefit Payment in any given Contract Year, your Annual Benefit Payment is not cumulative and your Remaining Guaranteed Withdrawal Amount and Annual Benefit Payment will not increase. For example, since Your Annual Benefit Payment is 5% of your Remaining Guaranteed Withdrawal Amount, You cannot withdraw 3% in one year and then withdraw 7% the next year without exceeding your Annual Benefit Payment in the second year.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Systematic Withdrawal Program.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If available in your state, You may choose to take your Annual Benefit Payment under the Systematic Withdrawal Program, including the first Contract Year. If You do so, any Withdrawal Charges that would otherwise apply to such withdrawals will be waived. Your Systematic Withdrawal Program withdrawal amount will be adjusted on each Contract Anniversary for any changes in the Annual Benefit Payment as a result of Automatic Annual Step-Up, additional purchase payments or transfers received during the Contract Year. Any withdrawals taken outside of the Systematic Withdrawal Program will cause the Systematic Withdrawal Program to terminate. If the commencement of the Systematic Withdrawal Program does not coincide with a Contract Anniversary, the initial Systematic Withdrawal Program period will be adjusted to end on a Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Required Minimum Distributions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may be required to take withdrawals to fulfill minimum distribution requirements. These required distributions may be larger than your Annual Benefit Payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">After the first Contract Year,</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> we will increase your Annual Benefit Payment to equal your required minimum distribution amount for that year, if such amounts are greater than your Annual Benefit Payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">You must be enrolled in the automated required minimum distribution service to qualify for this increase in the Annual Benefit Payment. The frequency of your withdrawals must be annual. The automated required minimum distribution service is based on information relating to this Contract only.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> To enroll in the automated required minimum distribution service, please contact our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Investment Allocation Restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If You elect the LWG, You are limited to allocating your purchase payments and Account Balance among the Fixed Interest Account and the Divisions listed in “Appendix A — Investment Options Available Under the Contract — Investment Allocation Restrictions for Certain Optional Benefits.”</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Cancellation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may elect to cancel the LWG every fifth Contract Anniversary for the first fifteen Contract Years and annually thereafter. We must receive your cancellation request within 30 days following the eligible Contract Anniversary in writing at our Administrative Office. The cancellation will take effect on the day we receive your request. If cancelled, the LWG will terminate, we will no longer deduct the LWG charge, and the allocation restrictions described above will no longer apply. The Contract, however, will continue.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The LWG will terminate upon the earliest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date of a full withdrawal of the Account Balance (a pro rata portion of the annual charge will be assessed); You are still eligible to receive either the Remaining Guaranteed Withdrawal Amount or lifetime payments provided the withdrawal did not exceed the Annual Benefit Payment and the provisions and conditions of this optional benefit have been met;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date the Account Balance is applied to a Pay-Out Option (a pro-rata portion of the annual charge for this rider will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date there are insufficient funds to deduct the charge from your Account Balance and your Contract is thereby terminated (whatever Account Balance is available to pay the annual charge for the benefit will be applied); You are still eligible to receive either the Remaining Guaranteed Withdrawal Amount or lifetime payments, provided the provisions and conditions of this optional benefit have been met; however, You will have no other benefits under the Contract;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">4.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date a defaulted loan balance, once offset, causes the Account Balance to reduce to zero;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">5.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Contract Owner dies;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">6.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">There is a change in Contract Owner, for any reason, unless we agree otherwise (a pro-rata portion of the annual charge for this rider will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">7.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Contract is terminated (a pro-rata portion of the annual charge for this rider will be assessed except for termination because of death of the Contract Owner, then no charge will be assessed based on the period from the most recent Contract Anniversary to the date termination takes effect); or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">8.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The effective date of cancellation of this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Additional Information.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The LWG may affect the death benefit available under your Contract. If the Contract Owner should die while the LWG is in effect, an alternative death benefit amount will be calculated under the LWG that can be taken in a lump sum. The LWG death benefit amount that may be taken as a lump sum will be equal to total purchase payments less any partial withdrawals and any outstanding loan balance. If this death benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">amount is greater than the death benefit provided by your Contract, and if withdrawals in each Contract Year did not exceed the Annual Benefit Payment, then this death benefit amount will be paid instead of the death benefit provided by the Contract. All other provisions of your Contract’s death benefit will apply.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Alternatively, the Beneficiary may elect to receive the Remaining Guaranteed Withdrawal Amount as a death benefit, in which case we will pay the Remaining Guaranteed Withdrawal Amount on a monthly basis (or any mutually agreed upon frequency, but no less frequently than annually) until the Remaining Guaranteed Withdrawal Amount is exhausted. This death benefit will be paid instead of the applicable contractual death benefit (the Standard Death Benefit, the additional death benefit amount calculated under the LWG as described above, or the Annual Step-Up Death Benefit, if that benefit had been purchased by the Contract Owner). Otherwise, the provisions of those contractual death benefits will determine the amount of the death benefit. Except as may be required by the Code, an annual payment will not exceed the Annual Benefit Payment. If your Beneficiary dies while such payments are made, we will continue making the payments to the Beneficiary’s estate unless we have agreed to another payee in writing. Federal income tax law generally requires that such payments be substantially equal and begin over a period no longer than the Beneficiary’s remaining life expectancy with payments beginning no later than the end of the calendar year immediately following the year of your death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reserve the right to accelerate any payment that is less than $500 or to comply with requirements under the Code (including minimum distribution requirement). If You terminate the LWG because (1) You make a total withdrawal of your Account Balance; (2) your Account Balance is insufficient to pay the LWG charge; or (3) the Contract Owner dies, You may not make additional purchase payments under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">LWG charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The LWG is available in Deferred Annuities, for an additional charge of 0.95% of the Total Guaranteed Withdrawal Amount, deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance, after applying any 5% Compounding Income Amount and prior to taking into account any Automatic Annual Step-Up occurring on the Contract Anniversary. We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance. If an Automatic Annual Step- Up occurs under a LWG, we may increase the LWG charge to the then current charge for the same optional benefit, but no more than a maximum of 0.95%. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">If the LWG is in effect, the charge will continue even if your Remaining Guaranteed Withdrawal Amount equals zero.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Withdrawal Benefit</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">LWG</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As of the close of the Exchange on September, 17, 2018, the LWG is not available for sale to any new employer sponsored retirement plan or to any new participants under an existing employer sponsored retirement plan.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In states where approved, we offered the LWG for elective TSA (non-ERISA), SEP and SIMPLE IRA Deferred Annuities. If You elected the LWG, Roth purchase payments may be permitted. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The LWG does not establish or guarantee an Account Balance or minimum return for any Division. The Remaining Guaranteed Withdrawal Amount and Total Guaranteed Withdrawal Amount are not available for withdrawal as a lump sum.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Withdrawals are subject to applicable Contract Withdrawal Charges unless You take the necessary steps to elect to take your Annual Benefit Payment under a Systematic Withdrawal Program.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Ordinary income taxes apply to withdrawals under this benefit and an additional 10% penalty tax may apply if You are under age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Consult your own tax adviser to determine if an exception to the 10% penalty tax applies. You may not have this benefit and the GMIB in effect at the same time. You should carefully consider if the LWG is best for You. Here are some of the key features of the LWG.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Guaranteed Payments for Life. So long as You make your first withdrawal on or after the date You reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, the LWG guarantees that we will make payments to You over your lifetime, even if your Remaining Guaranteed Withdrawal Amount and/or Account Balance decline to zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Automatic Annual Step-Ups. The LWG provides automatic step-ups on each Contract Anniversary prior to the Contract Owner’s 86th birthday (and offers the Contract Owner the ability to opt out of the step-ups if the charge for this optional benefit should increase). Each of the Automatic Step-Ups will occur only prior to the Contract Owner’s 86th birthday.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Withdrawal Rates. The LWG uses a 5% withdrawal rate to determine the Annual Benefit Payment.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cancellation. The LWG provides the ability to cancel the rider every five Contract Years for the first fifteen Contract Years and annually thereafter within 30 days following the eligible Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Allocation Restrictions. If You elect the LWG, You are limited to allocating your purchase payments and Account Balance among the Fixed Interest Account, and certain Divisions (as described in “Appendix A —  Investment Options Available Under the Contract — Investment Allocation Restrictions for Certain Optional Benefits”).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Tax Treatment. The tax treatment of withdrawals under the LWG is uncertain. It is conceivable that the amount of potential gain could be determined based on the Remaining Guaranteed Withdrawal Amount at the time of the withdrawal, if the Remaining Guaranteed Withdrawal Amount is greater than the Account Balance (prior to Withdrawal Charges, if applicable). This could result in a greater amount of taxable income reported under a withdrawal and conceivably a limited ability to recover any remaining basis if there is a loss on surrender of the Contract. Consult your tax adviser prior to purchase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Rider Charges. We will continue to assess the LWG rider charge even in the case where your remaining Guaranteed Withdrawal Amount, as described below, equals zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Qualified Plans. If your plan determines to terminate the Contract at a time when You have elected LWG, You forfeit any income base and any other rights to the LWG You have accrued under the LWG upon termination of the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In considering whether to have purchased the LWG, You must have considered your desire for protection and the cost of the benefit with the possibility that had You not purchased the benefit, your Account Balance may be higher. In considering the benefit of the lifetime withdrawals, You should consider the impact of inflation. Even relatively low levels of inflation may have significant effect on purchasing power. The Automatic Annual Step-Up, as described below, may provide protection against inflation, if and when there are strong investment returns. As with any guaranteed withdrawal benefit, the LWG, however, does not assure that You will receive strong, let alone any, return on your investments. The LWG must be elected at Contract issue; You must be age 80 or younger at the time of purchase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Total Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The Total Guaranteed Withdrawal Amount may be referred to as the “income base” in marketing or other materials. The Total Guaranteed Withdrawal Amount is the minimum amount that You are guaranteed to receive over time while the LWG is in effect. We assess the LWG charge as a percentage of the Total Guaranteed Withdrawal Amount. The initial Total Guaranteed Withdrawal Amount is equal to your initial purchase payment, without taking into account any purchase payment credits (i.e., credit or bonus payments). The Total Guaranteed Withdrawal Amount is increased by each additional purchase payment (up to a maximum benefit amount of $5,000,000). If, however, a withdrawal results in cumulative withdrawals for the current Contract Year that exceed the Annual Benefit Payment, the Total Guaranteed Withdrawal Amount will be reduced by an amount equal to the difference between the Total Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal (if such Account Balance is lower than the Total Guaranteed Withdrawal Amount). </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">This reduction may be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cumulative withdrawals in a given Contract Year will not decrease the Total Guaranteed Withdrawal Amount if such withdrawals do not exceed the Annual Benefit Payment in that Contract Year.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Remaining Guaranteed Withdrawal Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The remaining Guaranteed Withdrawal Amount is the remaining amount guaranteed to be received over time. The initial remaining Guaranteed Withdrawal Amount is equal to the initial Total Guaranteed Withdrawal Amount. We increase the remaining Guaranteed Withdrawal Amount (up to a maximum amount of $5,000,000) by each additional purchase payment without taking into account any purchase payment credits (i.e., credit or bonus payments). The remaining Guaranteed Withdrawal Amount is also increased by the 5% Compounding Income Amount, as described below. All withdrawals (including applicable Withdrawal Charges) reduce the remaining Guaranteed Withdrawal Amount, not just withdrawals that exceed the Annual </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Benefit Payment (as with the Total Guaranteed Withdrawal Amount). If the withdrawal exceeds the Annual Benefit Payment, then we will additionally reduce the remaining Guaranteed Withdrawal Amount to equal the difference between the remaining Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal (if lower). </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">This reduction may be significant.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The remaining Guaranteed Withdrawal Amount is also used to calculate an alternate death benefit available under the LWG. (See “Additional Information” below.)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">5% Compounding Income Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> On each Contract Anniversary until the earlier of: (a) the date of the first withdrawal from the Contract or (b) the 10th Contract Anniversary, the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount are increased by an amount equal to 5% multiplied by the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount before such increase (up to a maximum benefit amount of $5,000,000). We take the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount as of the last day of the Contract Year to determine the amount subject to the increase. The Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount may also be increased by the Automatic Annual Step-Up, if that would result in a higher Total Guaranteed Withdrawal Amount and remaining Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Automatic Annual Step-Up.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> On each Contract Anniversary prior to the Contract Owner’s 86th birthday, an Automatic Annual Step-Up will occur, provided that the Account Balance exceeds the Total Guaranteed Withdrawal Amount immediately before the Step-Up (and provided that You have not chosen to decline the Step-Up as described below).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Automatic Annual Step-Up will:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">reset the Total Guaranteed Withdrawal Amount and the remaining Guaranteed Withdrawal Amount to the Account Balance on the date of the Step-Up, up to a maximum of $5,000,000, regardless of whether or not You have taken any withdrawals;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">reset the Annual Benefit Payment equal to 5% of the Total Guaranteed Withdrawal Amount after the Step-Up; and</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">reset the LWG charge to the then current charge, up to a maximum of 0.95% for the same optional benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In the event that the charge applicable to Contract purchases at the time of the Step-Up is higher than your current LWG charge, and we elect to increase the benefit charge in connection with the Step-Up we will notify You in writing a minimum of 30 days in advance of the applicable Contract Anniversary and inform You that You may choose to decline the Automatic Annual Step-Up. If You choose to decline the Automatic Annual Step-Up, You must notify us in accordance with our administrative procedures (currently we require You to submit your request in writing at our Administrative Office no less than seven calendar days prior to the applicable Contract Anniversary).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Once You notify us of your decision to decline the Automatic Annual Step-Up, You will no longer be eligible for future Automatic Annual Step-Ups unless You notify us in writing at our Administrative Office that You wish to reinstate the Step-Up. This reinstatement will take effect at the next Contract Anniversary after we receive your request for reinstatement. Please note that the Automatic Annual Step-Up may be of limited benefit if You intend to make purchase payments that would cause your Account Balance to approach $5,000,000 because the Total Guaranteed Withdrawal Amount and remaining Guaranteed Withdrawal Amount cannot exceed $5,000,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Benefit Payment.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The initial Annual Benefit Payment is equal to the initial Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal rate. The Annual Benefit Payment may be referred to as “annual income amount” in marketing or other materials. If the Total Guaranteed Withdrawal Amount is later recalculated (for example, because of additional purchase payments, the 5% compounding amount, the Automatic Annual Step-Up, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">or withdrawals greater than the Annual Benefit Payment), the Annual Benefit Payment is reset equal to the new Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal rate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Important to Note.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You take your first withdrawal before the date You reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, we will continue to pay the Annual Benefit Payment each year until the remaining Guaranteed Withdrawal Amount is depleted, even if your Account Balance declines to zero. This means if your Account Balance is depleted due to withdrawals not greater than the Annual Benefit Payment or the deduction of the benefit charge, and your remaining Guaranteed Withdrawal Amount is greater than zero, we will pay You the remaining Annual Benefit Payment, if any, not yet withdrawn during the Contract Year that the Account Balance was depleted, and beginning in the following Contract Year, we will continue paying the Annual Benefit Payment to You each year until your remaining Guaranteed Withdrawal Amount is depleted. This guarantees that You will receive your purchase payments even if your Account Balance declines to zero due to market performance so long as You do not take withdrawals greater than the Annual Benefit Payment; however, You will not be guaranteed income for the rest of your life.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You take your first withdrawal on or after the date You reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, we will continue to pay the Annual Benefit Payment each year for the rest of your life, even if your remaining Guaranteed Withdrawal Amount and/ or Account Balance declines to zero. This means if your remaining Guaranteed Withdrawal Amount and/or your Account Balance is depleted due to withdrawals not greater than the Annual Benefit Payment or the deduction of the benefit charge, we will pay to You the remaining Annual Benefit Payment, if any, not yet withdrawn during that Contract Year that the Account Balance was depleted, and beginning in the following Contract Year, we will continue paying the Annual Benefit Payment to You each year for the rest of your life. Therefore, You will be guaranteed income for life.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">You should carefully consider when to begin taking withdrawals if You have elected the LWG Benefit. If You begin withdrawals too soon, your Total Guaranteed Withdrawal Amount and Remaining Guaranteed Withdrawal Amount are no longer increased by the 5% annual compounding increase. On the other hand, if You delay taking withdrawals for too long, You may limit the number of years available for You to take withdrawals in the future (due to life expectancy), and You may be paying for a benefit You are not using.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You have the option of receiving withdrawals under the LWG or receiving payments under a Pay-Out Option. You should consult with your registered representative when deciding how to receive income under this Contract. In making this decision, You should consider many factors, including the relative amount of current income provided by the two options, the potential ability to receive higher future payments through potential increases to the value of the LWG, your potential need to make additional withdrawals in the future, and the relative values to You of the death benefits available prior to and after annuitization.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At any time during the pay-in phase, You can elect to annuitize under current annuity rates in lieu of continuing the LWG. This may provide higher income amounts and/or different tax treatment than the payments received under the LWG.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Effect of Outstanding Loans on the Total Guaranteed Withdrawal Amount and Remaining Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If there is an outstanding loan balance (including loans in default which we cannot offset or collect due to tax restrictions), any additional withdrawals will be treated as withdrawals in excess of the Annual Benefit Payment. In that event, the Total Guaranteed Withdrawal Amount will be reduced. The reduction will be equal to the difference between the Total Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal. If the Account Balance after the withdrawal and minus any loan in default is higher than the Total Guaranteed Withdrawal Amount, no reduction will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In the event an outstanding loan balance is in default and we can withdraw the defaulted amount from your Account Balance, if the amount of the default does not exceed the Annual Benefit Payment, then the Total Guaranteed Withdrawal Amount will not be decreased. If the amount of the default exceeds the Annual Benefit Payment, the Total Guaranteed Withdrawal Amount will be reduced. The reduction will be equal to the difference between the Total Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal. If the Account Balance after the withdrawal and minus any loan in default is higher than the Total Guaranteed Withdrawal Amount, no reduction will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Also, an additional reduction will be made to the Remaining Guaranteed Withdrawal Amount. This additional reduction will be equal to the difference between the Remaining Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal. If the Account Balance after the withdrawal and minus any loan in default is higher than the Remaining Guaranteed Withdrawal Amount, no reduction will be made.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Managing Your Withdrawals.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> It is important that You carefully manage your annual withdrawals. To ensure that You retain the full guarantees of this benefit, your annual withdrawals cannot exceed the Annual Benefit Payment each Contract Year. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">If a Withdrawal Charge does apply, the charge is not included in the amount withdrawn for the purpose of calculating whether annual withdrawals during a Contract Year exceed the Annual Benefit Payment. If a withdrawal from your Contract does result in annual withdrawals during a Contract Year exceeding the Annual Benefit Payment, the Total Guaranteed Withdrawal Amount will be recalculated and the Annual Benefit Payment will be reduced to the new Total Guaranteed Withdrawal Amount multiplied by the 5% withdrawal rate. In addition, as noted above, if a withdrawal results in cumulative withdrawals for the current Contract Year exceeding the Annual Benefit Payment, the Remaining Guaranteed Withdrawal Amount will also be reduced by an additional amount equal to the difference between the Remaining Guaranteed Withdrawal Amount after the withdrawal and the Account Balance after the withdrawal (if such Account Balance is lower than the Remaining Guaranteed Withdrawal Amount). These reductions in the Total Guaranteed Withdrawal Amount, Annual Benefit Payment, and Remaining Guaranteed Withdrawal Amount may be significant. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You are still eligible to receive either lifetime payments or the remainder of the Remaining Guaranteed Withdrawal Amount so long as the withdrawal that exceeded the Annual Benefit Payment did not cause your Account Balance to decline to zero. A withdrawal that results in cumulative withdrawals in the current Contract Year exceeding the Annual Benefit Payment that reduces the Account Balance to zero will terminate the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You can always take annual withdrawals less than the Annual Benefit Payment. However, if You choose to receive only a part of your Annual Benefit Payment in any given Contract Year, your Annual Benefit Payment is not cumulative and your Remaining Guaranteed Withdrawal Amount and Annual Benefit Payment will not increase. For example, since Your Annual Benefit Payment is 5% of your Remaining Guaranteed Withdrawal Amount, You cannot withdraw 3% in one year and then withdraw 7% the next year without exceeding your Annual Benefit Payment in the second year.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Systematic Withdrawal Program.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If available in your state, You may choose to take your Annual Benefit Payment under the Systematic Withdrawal Program, including the first Contract Year. If You do so, any Withdrawal Charges that would otherwise apply to such withdrawals will be waived. Your Systematic Withdrawal Program withdrawal amount will be adjusted on each Contract Anniversary for any changes in the Annual Benefit Payment as a result of Automatic Annual Step-Up, additional purchase payments or transfers received during the Contract Year. Any withdrawals taken outside of the Systematic Withdrawal Program will cause the Systematic Withdrawal Program to terminate. If the commencement of the Systematic Withdrawal Program does not coincide with a Contract Anniversary, the initial Systematic Withdrawal Program period will be adjusted to end on a Contract Anniversary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Required Minimum Distributions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may be required to take withdrawals to fulfill minimum distribution requirements. These required distributions may be larger than your Annual Benefit Payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">After the first Contract Year,</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> we will increase your Annual Benefit Payment to equal your required minimum distribution amount for that year, if such amounts are greater than your Annual Benefit Payment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">You must be enrolled in the automated required minimum distribution service to qualify for this increase in the Annual Benefit Payment. The frequency of your withdrawals must be annual. The automated required minimum distribution service is based on information relating to this Contract only.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> To enroll in the automated required minimum distribution service, please contact our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Investment Allocation Restrictions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If You elect the LWG, You are limited to allocating your purchase payments and Account Balance among the Fixed Interest Account and the Divisions listed in “Appendix A — Investment Options Available Under the Contract — Investment Allocation Restrictions for Certain Optional Benefits.”</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Cancellation.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may elect to cancel the LWG every fifth Contract Anniversary for the first fifteen Contract Years and annually thereafter. We must receive your cancellation request within 30 days following the eligible Contract Anniversary in writing at our Administrative Office. The cancellation will take effect on the day we receive your request. If cancelled, the LWG will terminate, we will no longer deduct the LWG charge, and the allocation restrictions described above will no longer apply. The Contract, however, will continue.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Termination.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The LWG will terminate upon the earliest of:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date of a full withdrawal of the Account Balance (a pro rata portion of the annual charge will be assessed); You are still eligible to receive either the Remaining Guaranteed Withdrawal Amount or lifetime payments provided the withdrawal did not exceed the Annual Benefit Payment and the provisions and conditions of this optional benefit have been met;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date the Account Balance is applied to a Pay-Out Option (a pro-rata portion of the annual charge for this rider will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">3.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date there are insufficient funds to deduct the charge from your Account Balance and your Contract is thereby terminated (whatever Account Balance is available to pay the annual charge for the benefit will be applied); You are still eligible to receive either the Remaining Guaranteed Withdrawal Amount or lifetime payments, provided the provisions and conditions of this optional benefit have been met; however, You will have no other benefits under the Contract;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">4.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The date a defaulted loan balance, once offset, causes the Account Balance to reduce to zero;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">5.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Contract Owner dies;</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">6.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">There is a change in Contract Owner, for any reason, unless we agree otherwise (a pro-rata portion of the annual charge for this rider will be assessed);</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">7.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Contract is terminated (a pro-rata portion of the annual charge for this rider will be assessed except for termination because of death of the Contract Owner, then no charge will be assessed based on the period from the most recent Contract Anniversary to the date termination takes effect); or</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">8.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The effective date of cancellation of this benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Additional Information.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The LWG may affect the death benefit available under your Contract. If the Contract Owner should die while the LWG is in effect, an alternative death benefit amount will be calculated under the LWG that can be taken in a lump sum. The LWG death benefit amount that may be taken as a lump sum will be equal to total purchase payments less any partial withdrawals and any outstanding loan balance. If this death benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">amount is greater than the death benefit provided by your Contract, and if withdrawals in each Contract Year did not exceed the Annual Benefit Payment, then this death benefit amount will be paid instead of the death benefit provided by the Contract. All other provisions of your Contract’s death benefit will apply.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Alternatively, the Beneficiary may elect to receive the Remaining Guaranteed Withdrawal Amount as a death benefit, in which case we will pay the Remaining Guaranteed Withdrawal Amount on a monthly basis (or any mutually agreed upon frequency, but no less frequently than annually) until the Remaining Guaranteed Withdrawal Amount is exhausted. This death benefit will be paid instead of the applicable contractual death benefit (the Standard Death Benefit, the additional death benefit amount calculated under the LWG as described above, or the Annual Step-Up Death Benefit, if that benefit had been purchased by the Contract Owner). Otherwise, the provisions of those contractual death benefits will determine the amount of the death benefit. Except as may be required by the Code, an annual payment will not exceed the Annual Benefit Payment. If your Beneficiary dies while such payments are made, we will continue making the payments to the Beneficiary’s estate unless we have agreed to another payee in writing. Federal income tax law generally requires that such payments be substantially equal and begin over a period no longer than the Beneficiary’s remaining life expectancy with payments beginning no later than the end of the calendar year immediately following the year of your death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reserve the right to accelerate any payment that is less than $500 or to comply with requirements under the Code (including minimum distribution requirement). If You terminate the LWG because (1) You make a total withdrawal of your Account Balance; (2) your Account Balance is insufficient to pay the LWG charge; or (3) the Contract Owner dies, You may not make additional purchase payments under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">LWG charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The LWG is available in Deferred Annuities, for an additional charge of 0.95% of the Total Guaranteed Withdrawal Amount, deducted at the end of each Contract Year by withdrawing amounts on a pro-rata basis from your Fixed Interest Account Balance and Separate Account Balance, after applying any 5% Compounding Income Amount and prior to taking into account any Automatic Annual Step-Up occurring on the Contract Anniversary. We take amounts from the Separate Account by canceling Accumulation Units from your Separate Account Balance. If an Automatic Annual Step- Up occurs under a LWG, we may increase the LWG charge to the then current charge for the same optional benefit, but no more than a maximum of 0.95%. If, at the time the Contract was issued, the current charge for the benefit was equal to the maximum charge, then the charge for the benefit will not increase upon an Automatic Annual Step-Up. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">If the LWG is in effect, the charge will continue even if your Remaining Guaranteed Withdrawal Amount equals zero.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The purpose of these examples is to illustrate the operation of the LWG. The investment results shown are hypothetical and are not representative of past or future performance. Actual investment results may be more or less than those shown and will depend upon a number of factors, including investment allocations and the investment experience of the Divisions chosen. The examples do not reflect the deduction of fees and charges, Withdrawal Charges and applicable income taxes and penalties. For purposes of the examples, it is assumed that no loans have been taken.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">LWG </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:2.75pt;">– The effect of Withdrawals on Your Annual Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">When Withdrawals Do Not Exceed the Annual Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. The initial Account Balance would be $100,000, the Total Guaranteed Withdrawal Amount would be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be $100,000 and the initial Annual Benefit Payment would be $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that $5,000 is withdrawn each year, beginning before the Contract Owner attains age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. The Remaining Guaranteed Withdrawal Amount is reduced by $5,000 each year as withdrawals are taken (the Guaranteed Total Withdrawal Amount is not reduced by these withdrawals). The Annual Benefit Payment of $5,000 is guaranteed to be received until the Remaining Guaranteed Withdrawal Amount is depleted, even if the Account Balance is reduced to zero.</span> <div> </div> <img alt=" " src="g21724ffs7.jpg" style="height:265pt;margin-left:3.40%;width:453pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken after age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, then the Annual Benefit Payment of $5,000 is guaranteed to be received for the Contract Owner’s lifetime, even if the Remaining Guaranteed Withdrawal Amount and the Account Balance are reduced to zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">When Withdrawals Do Exceed the Annual Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. The initial Account Balance would be $100,000, the Total Guaranteed Withdrawal Amount would be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be $100,000 and the initial Annual Benefit Payment would be $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that the Remaining Guaranteed Withdrawal Amount is reduced to $95,000 due to a withdrawal of $5,000 in the first year. Assume the Account Balance was further reduced to $75,000 at year two due to poor market performance. If You withdrew $10,000 at this time, your Account Balance would be reduced to $75,000 - $10,000 = $65,000. Your Remaining Guaranteed Withdrawal Amount would be reduced to $95,000 - $10,000 = $85,000. Since the withdrawal of $10,000 exceeded the Annual Benefit Payment of $5,000 and the resulting Remaining Guaranteed Withdrawal Amount would be greater than the resulting Account Balance, there would be an additional reduction to the Remaining Guaranteed Withdrawal Amount. The Remaining Guaranteed Withdrawal Amount after the withdrawal would be set equal to the Account Balance after the withdrawal ($65,000). This new Remaining Guaranteed Withdrawal Amount of $65,000 would now be the amount guaranteed to be available to be withdrawn over time. The Total Guaranteed Withdrawal Amount would also be reduced to $65,000. The Annual Benefit Payment would be set equal to 5% × $65,000 = $3,250.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">B.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">LWG — The Effect of Delaying the Exercise of Your LWG on Your Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. The initial Remaining Guaranteed Withdrawal Amount would be $100,000, the Total Guaranteed Withdrawal Amount would be $100,000, and the Annual Benefit Payment would be $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Total Guaranteed Withdrawal Amount will increase by 5% of the Total Guaranteed Withdrawal Amount until the earlier of the first withdrawal or the 10th Contract Anniversary. The Annual Benefit Payment will be recalculated as 5% of the new Total Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken in the first Contract Year, then there would be no increase. The Total Guaranteed Withdrawal Amount would remain at $100,000 and the Annual Benefit Payment will remain at $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken in the second Contract Year, then the Total Guaranteed Withdrawal Amount would increase to $105,000 ($100,000 × 105%), and the Annual Benefit Payment would increase to $5,250 ($105,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken in the third Contract Year, then the Total Guaranteed Withdrawal Amount would increase to $110,250 ($105,000 × 105%), and the Annual Benefit Payment would increase to $5,513 ($110,250 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken after the 10th Contract Year, then the Total Guaranteed Withdrawal Amount would increase to $162,890 (the initial $100,000, increased by 5% per year, compounded annually for 10 years), and the Annual Benefit Payment would increase to $8,144 ($162,890 × 5%).</span> <div> </div> <img alt=" " src="g21724ffs8.jpg" style="height:287pt;margin-left:3.40%;width:453pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">C.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">LWG — Automatic Annual Step-Ups and 5% Compounding Amount (No withdrawals or loans)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. Assume that no withdrawals or loans are taken.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At the first Contract Anniversary, provided that no withdrawals or loans are taken, the Total Guaranteed Withdrawal Amount is increased to $105,000 ($100,000 increased by 5%, compounded annually). Assume the Account Balance has increased to $110,000 at the first Contract Anniversary due to good market performance. The Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from $105,000 to $110,000 and reset the Annual Benefit Payment to $5,500 ($110,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At the second Contract Anniversary, provided that no withdrawals or loans are taken, the Total Guaranteed Withdrawal Amount is increased to $115,500 ($110,000 increased by 5%, compounded annually). Assume the Account Balance has increased to $120,000 at the second Contract Anniversary due to good market performance. The Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from $115,500 to $120,000 and reset the Annual Benefit Payment to $6,000 ($120,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Provided that no withdrawals or loans are taken, each year the Total Guaranteed Withdrawal Amount would increase by 5%, compounded annually, from the second Contract Anniversary through the ninth Contract Anniversary, and at that point would be equal to $168,852. Assume that during these Contract Years the Account Balance does not exceed the Total Guaranteed Withdrawal Amount due to poor market performance. Assume the Account Balance at the ninth Contract Anniversary has increased to $180,000 due to good market performance. The Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from $168,852 to $180,000 and reset the Annual Benefit Payment to $9,000 ($180,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At the 10th Contract Anniversary, provided that no withdrawals or loans are taken, the Total Guaranteed Withdrawal Amount is increased to $189,000 ($180,000 increased by 5%, compounded annually). Assume the Account Balance is less than $189,000. There is no Automatic Annual Step-Up since the Account Balance is below the Total Guaranteed Withdrawal Amount; however, due to the 5% increase in the Total Guaranteed Withdrawal Amount, the Annual Benefit Payment is increased to $9,450 ($189,000 × 5%).</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">LWG — Automatic Annual Step-ups and 5% Compounding Amount (No Withdrawals or Loans)</span> <div> </div> <img alt=" " src="g21724ffs9.jpg" style="height:144pt;margin-left:25.51%;width:238pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:13pt;line-height:1pt;"> </span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Examples</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The purpose of these examples is to illustrate the operation of the LWG. The investment results shown are hypothetical and are not representative of past or future performance. Actual investment results may be more or less than those shown and will depend upon a number of factors, including investment allocations and the investment experience of the Divisions chosen. The examples do not reflect the deduction of fees and charges, Withdrawal Charges and applicable income taxes and penalties. For purposes of the examples, it is assumed that no loans have been taken.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">LWG </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;margin-left:2.75pt;">– The effect of Withdrawals on Your Annual Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">When Withdrawals Do Not Exceed the Annual Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. The initial Account Balance would be $100,000, the Total Guaranteed Withdrawal Amount would be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be $100,000 and the initial Annual Benefit Payment would be $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that $5,000 is withdrawn each year, beginning before the Contract Owner attains age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. The Remaining Guaranteed Withdrawal Amount is reduced by $5,000 each year as withdrawals are taken (the Guaranteed Total Withdrawal Amount is not reduced by these withdrawals). The Annual Benefit Payment of $5,000 is guaranteed to be received until the Remaining Guaranteed Withdrawal Amount is depleted, even if the Account Balance is reduced to zero.</span> <div> </div> <img alt=" " src="g21724ffs7.jpg" style="height:265pt;margin-left:3.40%;width:453pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken after age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">, then the Annual Benefit Payment of $5,000 is guaranteed to be received for the Contract Owner’s lifetime, even if the Remaining Guaranteed Withdrawal Amount and the Account Balance are reduced to zero.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">When Withdrawals Do Exceed the Annual Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. The initial Account Balance would be $100,000, the Total Guaranteed Withdrawal Amount would be $100,000, the initial Remaining Guaranteed Withdrawal Amount would be $100,000 and the initial Annual Benefit Payment would be $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that the Remaining Guaranteed Withdrawal Amount is reduced to $95,000 due to a withdrawal of $5,000 in the first year. Assume the Account Balance was further reduced to $75,000 at year two due to poor market performance. If You withdrew $10,000 at this time, your Account Balance would be reduced to $75,000 - $10,000 = $65,000. Your Remaining Guaranteed Withdrawal Amount would be reduced to $95,000 - $10,000 = $85,000. Since the withdrawal of $10,000 exceeded the Annual Benefit Payment of $5,000 and the resulting Remaining Guaranteed Withdrawal Amount would be greater than the resulting Account Balance, there would be an additional reduction to the Remaining Guaranteed Withdrawal Amount. The Remaining Guaranteed Withdrawal Amount after the withdrawal would be set equal to the Account Balance after the withdrawal ($65,000). This new Remaining Guaranteed Withdrawal Amount of $65,000 would now be the amount guaranteed to be available to be withdrawn over time. The Total Guaranteed Withdrawal Amount would also be reduced to $65,000. The Annual Benefit Payment would be set equal to 5% × $65,000 = $3,250.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">B.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">LWG — The Effect of Delaying the Exercise of Your LWG on Your Benefit Payment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. The initial Remaining Guaranteed Withdrawal Amount would be $100,000, the Total Guaranteed Withdrawal Amount would be $100,000, and the Annual Benefit Payment would be $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Total Guaranteed Withdrawal Amount will increase by 5% of the Total Guaranteed Withdrawal Amount until the earlier of the first withdrawal or the 10th Contract Anniversary. The Annual Benefit Payment will be recalculated as 5% of the new Total Guaranteed Withdrawal Amount.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken in the first Contract Year, then there would be no increase. The Total Guaranteed Withdrawal Amount would remain at $100,000 and the Annual Benefit Payment will remain at $5,000 ($100,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken in the second Contract Year, then the Total Guaranteed Withdrawal Amount would increase to $105,000 ($100,000 × 105%), and the Annual Benefit Payment would increase to $5,250 ($105,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken in the third Contract Year, then the Total Guaranteed Withdrawal Amount would increase to $110,250 ($105,000 × 105%), and the Annual Benefit Payment would increase to $5,513 ($110,250 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If the first withdrawal is taken after the 10th Contract Year, then the Total Guaranteed Withdrawal Amount would increase to $162,890 (the initial $100,000, increased by 5% per year, compounded annually for 10 years), and the Annual Benefit Payment would increase to $8,144 ($162,890 × 5%).</span> <div> </div> <img alt=" " src="g21724ffs8.jpg" style="height:287pt;margin-left:3.40%;width:453pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">C.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;text-decoration:underline;">LWG — Automatic Annual Step-Ups and 5% Compounding Amount (No withdrawals or loans)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assume that a Contract had an initial purchase payment of $100,000. Assume that no withdrawals or loans are taken.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At the first Contract Anniversary, provided that no withdrawals or loans are taken, the Total Guaranteed Withdrawal Amount is increased to $105,000 ($100,000 increased by 5%, compounded annually). Assume the Account Balance has increased to $110,000 at the first Contract Anniversary due to good market performance. The Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from $105,000 to $110,000 and reset the Annual Benefit Payment to $5,500 ($110,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At the second Contract Anniversary, provided that no withdrawals or loans are taken, the Total Guaranteed Withdrawal Amount is increased to $115,500 ($110,000 increased by 5%, compounded annually). Assume the Account Balance has increased to $120,000 at the second Contract Anniversary due to good market performance. The Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from $115,500 to $120,000 and reset the Annual Benefit Payment to $6,000 ($120,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Provided that no withdrawals or loans are taken, each year the Total Guaranteed Withdrawal Amount would increase by 5%, compounded annually, from the second Contract Anniversary through the ninth Contract Anniversary, and at that point would be equal to $168,852. Assume that during these Contract Years the Account Balance does not exceed the Total Guaranteed Withdrawal Amount due to poor market performance. Assume the Account Balance at the ninth Contract Anniversary has increased to $180,000 due to good market performance. The Automatic Annual Step-Up will increase the Total Guaranteed Withdrawal Amount from $168,852 to $180,000 and reset the Annual Benefit Payment to $9,000 ($180,000 × 5%).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">At the 10th Contract Anniversary, provided that no withdrawals or loans are taken, the Total Guaranteed Withdrawal Amount is increased to $189,000 ($180,000 increased by 5%, compounded annually). Assume the Account Balance is less than $189,000. There is no Automatic Annual Step-Up since the Account Balance is below the Total Guaranteed Withdrawal Amount; however, due to the 5% increase in the Total Guaranteed Withdrawal Amount, the Annual Benefit Payment is increased to $9,450 ($189,000 × 5%).</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">LWG — Automatic Annual Step-ups and 5% Compounding Amount (No Withdrawals or Loans)</span> <div> </div> <img alt=" " src="g21724ffs9.jpg" style="height:144pt;margin-left:25.51%;width:238pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:13pt;line-height:1pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of Portfolios currently available. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000211. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies as described below. If your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, 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. Each Portfolio Company's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </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;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio has an additional platform fee of 0.25%. This amount is included in the Mortality and Expense Risk Charge and is not a separate charge.</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;">Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund</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;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Fixed Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is information on the Fixed Interest Account currently available under the Contract. You should check with your Employer as to whether the Fixed Interest Account is available under your Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:165pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum Guaranteed Interest </span></div> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Rate*</span></div></div></td></tr> <tr style="height:88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:165pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Initial Interest Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> begins on </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each calendar quarter and will be </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">credited from the date amounts are </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocated to the Fixed Interest </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account until the last day of the same </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calendar quarter of the following year.</span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Renewal Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">12 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;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;">3%</span></div></div></td></tr></table><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;">The Minimum Guaranteed Interest Rate varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Investment Allocation Restrictions For Certain Optional Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Index Selector:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Aggregate Bond Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Stock Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife MSCI EAFE Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Russell 2000 Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Mid Cap Stock Index</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Lifetime Withdrawal Guarantee</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Lifetime Withdrawal Guarantee Optional Benefit, You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 20</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 40</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 60</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 80</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of Portfolios currently available. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000211. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies as described below. If your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, 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. Each Portfolio Company's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </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;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio has an additional platform fee of 0.25%. This amount is included in the Mortality and Expense Risk Charge and is not a separate charge.</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;">Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund</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;">.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Fixed Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is information on the Fixed Interest Account currently available under the Contract. You should check with your Employer as to whether the Fixed Interest Account is available under your Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:165pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum Guaranteed Interest </span></div> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Rate*</span></div></div></td></tr> <tr style="height:88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:165pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Initial Interest Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> begins on </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each calendar quarter and will be </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">credited from the date amounts are </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocated to the Fixed Interest </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account until the last day of the same </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calendar quarter of the following year.</span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Renewal Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">12 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;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;">3%</span></div></div></td></tr></table><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;">The Minimum Guaranteed Interest Rate varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Investment Allocation Restrictions For Certain Optional Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Index Selector:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Aggregate Bond Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Stock Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife MSCI EAFE Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Russell 2000 Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Mid Cap Stock Index</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Lifetime Withdrawal Guarantee</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Lifetime Withdrawal Guarantee Optional Benefit, You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 20</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 40</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 60</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 80</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of Portfolios currently available. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000211. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies as described below. If your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, 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. Each Portfolio Company's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of Portfolios currently available. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000211. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies as described below. If your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, 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. Each Portfolio Company's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.97%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.92%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds SMALLCAP </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World Fund</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;"> *</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)††</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.23%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds The Bond </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund of America*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.47%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.36%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Aggressive </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.88%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Balanced </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.99%</span></div></div></td></tr> <tr style="height:48.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Moderate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.46%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.71%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.30%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Bond Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.12%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Capital </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.51%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">100 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.70%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">20 Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.97%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">40 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.47%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">80 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.22%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Small Cap Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allspring </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Global Investments, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-3.21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.07%</span></div></div></td></tr> <tr style="height:84.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Artisan Mid Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Artisan </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partners Limited </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partnership</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.57%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.77%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.05%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Franklin Low </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Duration Total Return </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.23%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.41%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Core </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity Opportunities </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.45%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Large </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Research Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.33%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE Global Real Estate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Listed Real Assets LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.95%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2025 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.75%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.61%</span></div></div></td></tr> <tr style="height:48.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2035 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.42%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.28%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.72%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.59%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2045 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.82%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.81%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2055 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2065 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2070 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris Oakmark International </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">32.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.74%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.00%</span></div></div></td></tr> <tr style="height:72.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Small Cap Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.91%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.00%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison Growth Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.41%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Global </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.22%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.91%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap Core </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.15%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.84%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.51%</span></div></div></td></tr> <tr style="height:84.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.86%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.54%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.16%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</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 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">30.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.76%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</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 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.27%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.24%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Research International </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">22.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.57%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Total Return Portfolio* </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">- Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.38%</span></div></div></td></tr> <tr style="height:84.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Value Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.84%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.99%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley Discovery </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-5.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.00%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Berman Genesis </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Berman Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-4.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.86%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Inflation Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.09%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Total Return </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.30%</span></div></div></td></tr> <tr style="height:108.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderate ETF </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B (formerly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">known as SSGA Growth and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income ETF Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.85%</span></div></div></td></tr> <tr style="height:108.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderately </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Aggressive ETF Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B (formerly known as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Growth ETF Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.23%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.01%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.31%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Large Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.10%</span></div></div></td></tr> <tr style="height:120.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Mid Cap Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc. is the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">subadviser</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc. is the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">sub-subadviser</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.77%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Small Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.60%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Sycamore Mid Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Capital </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.58%</span></div></div></td></tr> <tr style="height:96.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Strategic Bond Opportunities </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.77%</span></div></div></td></tr> <tr style="height:96.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">U.S. Government Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.81%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.35%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.57%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.97%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.92%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds SMALLCAP </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World Fund</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;"> *</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)††</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.23%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds The Bond </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund of America*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.47%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.36%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Aggressive </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.88%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Balanced </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.99%</span></div></div></td></tr> <tr style="height:48.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Moderate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.46%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.71%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.30%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Bond Income </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.12%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Capital </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.51%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">100 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;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:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.70%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">20 Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.97%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">40 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.47%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">80 Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.22%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Small Cap Value </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allspring </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Global Investments, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-3.21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.07%</span></div></div></td></tr> <tr style="height:84.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Artisan Mid Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Artisan </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partners Limited </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partnership</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.03%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.57%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.77%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.05%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Franklin Low </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Duration Total Return </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.23%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.41%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Core </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity Opportunities </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.45%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Large </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Research Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.33%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE Global Real Estate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Listed Real Assets LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.95%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2025 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.75%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.61%</span></div></div></td></tr> <tr style="height:48.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2035 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.42%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.28%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.72%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.59%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2045 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.82%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.81%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2055 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2065 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2070 Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris Oakmark International </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">32.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.74%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.00%</span></div></div></td></tr> <tr style="height:72.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Small Cap Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.99%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.91%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.00%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison Growth Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.41%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Global </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.22%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.91%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap Core </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.15%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.84%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.51%</span></div></div></td></tr> <tr style="height:84.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.86%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.54%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.16%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</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 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">30.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.76%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</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 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.27%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.24%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Research International </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">22.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.57%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Total Return Portfolio* </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">- Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.38%</span></div></div></td></tr> <tr style="height:84.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Value Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.00%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.84%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.99%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley Discovery </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-5.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.00%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Berman Genesis </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Berman Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-4.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.86%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Inflation Protected </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.09%</span></div></div></td></tr> <tr style="height:84.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Total Return </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.30%</span></div></div></td></tr> <tr style="height:108.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderate ETF </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B (formerly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">known as SSGA Growth and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income ETF Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.85%</span></div></div></td></tr> <tr style="height:108.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderately </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Aggressive ETF Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B (formerly known as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Growth ETF Portfolio - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.23%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.01%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.31%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">+</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PLATFORM</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CHARGE</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Large Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.10%</span></div></div></td></tr> <tr style="height:120.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Mid Cap Growth </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc. is the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">subadviser</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc. is the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">sub-subadviser</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.77%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Small Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.60%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Sycamore Mid Cap </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Capital </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.58%</span></div></div></td></tr> <tr style="height:96.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Strategic Bond Opportunities </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.77%</span></div></div></td></tr> <tr style="height:96.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:67.6pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:128.2pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">U.S. Government Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:60.15pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.81%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.35%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.57%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> 0.0058 0.0058 0.0025 0.0025 0.0083 0.0083 0.2024 0.2024 0.1337 0.1337 0.1797 0.1797 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds Growth-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> 0.0053 0.0053 0.0025 0.0025 0.0078 0.0078 0.1806 0.1806 0.1390 0.1390 0.1392 0.1392 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds SMALLCAP </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World Fund</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;"> *</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)††</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds SMALLCAP </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World Fund</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;"> *</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)††</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> 0.0090 0.0090 0.0025 0.0025 0.0115 0.0115 0.1464 0.1464 0.0049 0.0049 0.0723 0.0723 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds The Bond </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund of America*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds The Bond </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund of America*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> 0.0047 0.0047 0.0025 0.0025 0.0072 0.0072 0.0726 0.0726 0.0014 -0.0014 0.0236 0.0236 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Aggressive </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Aggressive </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0099 0.0099 0.0099 0.0099 0.1990 0.1990 0.0930 0.0930 0.1088 0.1088 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Balanced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Balanced </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0096 0.0096 0.0096 0.0096 0.1702 0.1702 0.0726 0.0726 0.0899 0.0899 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Moderate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds</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;"> Moderate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio - Class C</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0095 0.0095 0.0095 0.0095 0.1446 0.1446 0.0571 0.0571 0.0730 0.0730 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Bond Income </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Bond Income </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span> 0.0063 0.0063 0.0063 0.0063 0.0768 0.0768 0.0042 -0.0042 0.0212 0.0212 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Capital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Capital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Appreciation Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisors, LLC</span> 0.0081 0.0081 0.0081 0.0081 0.1291 0.1291 0.1079 0.1079 0.1551 0.1551 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">100 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">100 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0096 0.0096 0.0096 0.0096 0.1706 0.1706 0.0863 0.0863 0.1070 0.1070 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">20 Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">20 Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0093 0.0093 0.0093 0.0093 0.0925 0.0925 0.0206 0.0206 0.0397 0.0397 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">40 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">40 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0091 0.0091 0.0091 0.0091 0.1150 0.1150 0.0384 0.0384 0.0569 0.0569 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0091 0.0091 0.0091 0.0091 0.1377 0.1377 0.0555 0.0555 0.0747 0.0747 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">80 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Asset Allocation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">80 Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> 0.0093 0.0093 0.0093 0.0093 0.1563 0.1563 0.0718 0.0718 0.0922 0.0922 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Small Cap Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse Small Cap Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allspring </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Global Investments, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allspring </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Global Investments, LLC</span> 0.0103 0.0103 0.0103 0.0103 0.0321 -0.0321 0.0643 0.0643 0.0807 0.0807 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Artisan Mid Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Artisan Mid Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Artisan </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partners Limited </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partnership</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Artisan </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partners Limited </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Partnership</span> 0.0103 0.0103 0.0103 0.0103 0.0157 0.0157 0.0677 0.0677 0.0805 0.0805 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Franklin Low </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Duration Total Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Franklin Low </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Duration Total Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span> 0.0075 0.0075 0.0075 0.0075 0.0525 0.0525 0.0214 0.0214 0.0223 0.0223 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span> 0.0052 0.0052 0.0052 0.0052 0.1267 0.1267 0.0745 0.0745 0.0941 0.0941 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Core </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity Opportunities </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Core </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity Opportunities </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span> 0.0087 0.0087 0.0087 0.0087 0.0754 0.0754 0.0802 0.0802 0.1045 0.1045 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Large </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Research Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Large </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Research Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company LLP</span> 0.0079 0.0079 0.0079 0.0079 0.1562 0.1562 0.1201 0.1201 0.1333 0.1333 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE Global Real Estate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE Global Real Estate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Listed Real Assets LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">CBRE </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Listed Real Assets LLC</span> 0.0091 0.0091 0.0091 0.0091 0.0675 0.0675 0.0403 0.0403 0.0395 0.0395 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2025 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2025 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0071 0.0071 0.0071 0.0071 0.1423 0.1423 0.0525 0.0525 0.0775 0.0775 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0074 0.0074 0.0074 0.0074 0.1516 0.1516 0.0598 0.0598 0.0861 0.0861 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2035 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2035 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0078 0.0078 0.0078 0.0078 0.1642 0.1642 0.0728 0.0728 0.0972 0.0972 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0082 0.0082 0.0082 0.0082 0.1844 0.1844 0.0873 0.0873 0.1059 0.1059 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2045 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2045 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0085 0.0085 0.0085 0.0085 0.1953 0.1953 0.0916 0.0916 0.1082 0.1082 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0085 0.0085 0.0085 0.0085 0.1950 0.1950 0.0915 0.0915 0.1081 0.1081 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2055 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2055 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0085 0.0085 0.0085 0.0085 0.1953 0.1953 0.0916 0.0916 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0085 0.0085 0.0085 0.0085 0.1953 0.1953 0.0917 0.0917 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2065 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2065 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0085 0.0085 0.0085 0.0085 0.1952 0.1952 0.0916 0.0916 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2070 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2070 Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Service Class 2</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Research Company LLC</span> 0.0085 0.0085 0.0085 0.0085 0.1959 0.1959 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris Oakmark International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris Oakmark International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates L.P.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Harris </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates L.P.</span> 0.0097 0.0097 0.0097 0.0097 0.3278 0.3278 0.0646 0.0646 0.0674 0.0674 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span> 0.0083 0.0083 0.0083 0.0083 0.1560 0.1560 0.0730 0.0730 0.1100 0.1100 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Small Cap Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Small Cap Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, Inc.</span> 0.0099 0.0099 0.0099 0.0099 0.0583 0.0583 0.0091 -0.0091 0.0900 0.0900 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison Growth Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison Growth Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Jennison </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates LLC</span> 0.0079 0.0079 0.0079 0.0079 0.1372 0.1372 0.1001 0.1001 0.1641 0.1641 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Global </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Global </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> 0.0104 0.0104 0.0104 0.0104 0.1259 0.1259 0.0625 0.0625 0.0922 0.0922 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> 0.0080 0.0080 0.0080 0.0080 0.1490 0.1490 0.1477 0.1477 0.1391 0.1391 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap Core </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap Core </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> 0.0115 0.0115 0.0115 0.0115 0.0502 0.0502 0.0717 0.0717 0.0915 0.0915 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Small Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Sayles &amp; Company, L.P.</span> 0.0114 0.0114 0.0114 0.0114 0.0373 0.0373 0.0228 0.0228 0.0984 0.0984 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0051 0.0051 0.0051 0.0051 0.0680 0.0680 0.0088 -0.0088 0.0151 0.0151 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0055 0.0055 0.0055 0.0055 0.0686 0.0686 0.0854 0.0854 0.1016 0.1016 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</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 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</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 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0062 0.0062 0.0062 0.0062 0.3070 0.3070 0.0835 0.0835 0.0776 0.0776 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</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 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</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 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0055 0.0055 0.0055 0.0055 0.1233 0.1233 0.0571 0.0571 0.0927 0.0927 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0052 0.0052 0.0052 0.0052 0.1728 0.1728 0.1384 0.1384 0.1424 0.1424 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Research International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Research International </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> 0.0081 0.0081 0.0081 0.0081 0.2241 0.2241 0.0554 0.0554 0.0757 0.0757 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Total Return Portfolio* </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">- Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Total Return Portfolio* </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">- Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> 0.0087 0.0087 0.0087 0.0087 0.1083 0.1083 0.0615 0.0615 0.0738 0.0738 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Value Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</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;"> Value Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> 0.0083 0.0083 0.0083 0.0083 0.1300 0.1300 0.0984 0.0984 0.0999 0.0999 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley Discovery </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley Discovery </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Morgan Stanley </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Inc.</span> 0.0090 0.0090 0.0090 0.0090 0.1319 0.1319 0.0583 -0.0583 0.1400 0.1400 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Berman Genesis </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Berman Genesis </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Berman Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Berman Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers LLC</span> 0.0106 0.0106 0.0106 0.0106 0.0474 -0.0474 0.0262 0.0262 0.0886 0.0886 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Inflation Protected </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Inflation Protected </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span> 0.0138 0.0138 0.0138 0.0138 0.0774 0.0774 0.0115 0.0115 0.0309 0.0309 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Total Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">PIMCO Total Return </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Pacific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company LLC</span> 0.0083 0.0083 0.0083 0.0083 0.0890 0.0890 0.0007 -0.0007 0.0230 0.0230 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderate ETF </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B (formerly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">known as SSGA Growth and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income ETF Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderate ETF </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class B (formerly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">known as SSGA Growth and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income ETF Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span> 0.0075 0.0075 0.0075 0.0075 0.1678 0.1678 0.0719 0.0719 0.0785 0.0785 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderately </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Aggressive ETF Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B (formerly known as </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Growth ETF Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Moderately </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Aggressive ETF Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B (formerly known as </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Growth ETF Portfolio - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span> 0.0078 0.0078 0.0078 0.0078 0.1923 0.1923 0.0901 0.0901 0.0931 0.0931 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Large Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Large Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span> 0.0081 0.0081 0.0081 0.0081 0.1545 0.1545 0.0937 0.0937 0.1410 0.1410 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Mid Cap Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Mid Cap Growth </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc. is the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">subadviser</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc. is the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">sub-subadviser</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc. is the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">subadviser</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc. is the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">sub-subadviser</span> 0.0095 0.0095 0.0095 0.0095 0.0342 0.0342 0.0383 0.0383 0.0977 0.0977 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Small Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Small Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Associates, Inc.</span> 0.0076 0.0076 0.0076 0.0076 0.1000 0.1000 0.0548 0.0548 0.1060 0.1060 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Sycamore Mid Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Sycamore Mid Cap </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Capital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Victory Capital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc.</span> 0.0085 0.0085 0.0085 0.0085 0.0229 0.0229 0.0962 0.0962 0.0958 0.0958 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Strategic Bond Opportunities </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Strategic Bond Opportunities </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0082 0.0082 0.0082 0.0082 0.0888 0.0888 0.0117 0.0117 0.0377 0.0377 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">U.S. Government Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">U.S. Government Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class B</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management Company, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0075 0.0075 0.0075 0.0075 0.0681 0.0681 0.0035 0.0035 0.0157 0.0157 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Fixed Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is information on the Fixed Interest Account currently available under the Contract. You should check with your Employer as to whether the Fixed Interest Account is available under your Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:165pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum Guaranteed Interest </span></div> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Rate*</span></div></div></td></tr> <tr style="height:88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:165pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Initial Interest Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> begins on </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each calendar quarter and will be </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">credited from the date amounts are </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocated to the Fixed Interest </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account until the last day of the same </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calendar quarter of the following year.</span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Renewal Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">12 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;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;">3%</span></div></div></td></tr></table><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;">The Minimum Guaranteed Interest Rate varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Fixed Option</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is information on the Fixed Interest Account currently available under the Contract. You should check with your Employer as to whether the Fixed Interest Account is available under your Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:165pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Term</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:160.5pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum Guaranteed Interest </span></div> <div style="margin-left:8.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Rate*</span></div></div></td></tr> <tr style="height:88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:165pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Initial Interest Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> begins on </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">each calendar quarter and will be </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">credited from the date amounts are </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">allocated to the Fixed Interest </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account until the last day of the same </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calendar quarter of the following year.</span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;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;">Renewal Rate Term:</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">12 months</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:160.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;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;">3%</span></div></div></td></tr></table><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;">The Minimum Guaranteed Interest Rate varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Interest Account</span> P12M P12M 0.03 0.03 <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Investment Allocation Restrictions For Certain Optional Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Index Selector:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Aggregate Bond Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Stock Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife MSCI EAFE Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Russell 2000 Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Mid Cap Stock Index</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Lifetime Withdrawal Guarantee</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Lifetime Withdrawal Guarantee Optional Benefit, You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 20</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 40</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 60</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 80</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Investment Allocation Restrictions For Certain Optional Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Index Selector:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Aggregate Bond Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Stock Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife MSCI EAFE Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Russell 2000 Index</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">MetLife Mid Cap Stock Index</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Lifetime Withdrawal Guarantee</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If You elect the Lifetime Withdrawal Guarantee Optional Benefit, You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 20</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 40</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 60</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Brighthouse Asset Allocation 80</span> true true true true true true true true true true true true true true